Pengaruh Literasi Keuangan Syariah, Kemudahan dan Keamanan Terhadap Penggunaan QRIS Sebagai Alat Pembayaran Digital Berdasarkan Akad Wadi’ah di Kalangan Pelajar Kota Palembang

Septia Anggraini (Universitas Islam Negeri Raden Fatah Palembang)
Zuul Fitriani Umari (Universitas Islam Negeri Raden Fatah Palembang)
Yusiresita Pajaria (Universitas Islam Negeri Raden Fatah Palembang)

Multidisciplinary Journal of Education, Economic and Culture
Vol. 4 No. 2 (2026): September 2026

This study aims to examine the influence of Islamic financial literacy, ease of use, and security levels on the adoption of QRIS among students in Palembang as a digital payment method based on the wadi'ah contract. Students were given questionnaires as part of the quantitative approach in this study, which employed a survey method. The findings of this study indicate that Islamic financial literacy, ease of use, and security have a significant positive impact on the use of QRIS in accordance with the wadi'ah contract. This suggests that students’ tendency to use QRIS as a digital payment method increases in line with their perceptions of security and their understanding of Islamic financial literacy.