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Wacana Ekonomi : Jurnal Ekonomi, Bisnis dan Akuntansi
Published by Universitas Warmadewa
ISSN : 19784007     EISSN : 26559943     DOI : https://doi.org/10.22225/we
Core Subject : Economy,
Economics, Econometrics & Finance
WACANA EKONOMI (Jurnal Ekonomi, Bisnis dan Akuntansi), ISSN: 2655-9943 (online) 1978-4007 (Print), is a Journal Research of Economiy Science published by Warmadewa Press jointly with Faculty of Economy, Universitas Warmadewa. This journal is also dedicated to provide an intellectual space of scholarly discussion how journal of Economiy Science able to create the new global formation of Economiy Science and similar issues. This journal has been distributed by Faculty of Economy, Universitas Warmadewa, Universitas Warmadewa started Online from Volume 18 Number 1 Year 2019 to present. This journal encompasses original research articles, review articles, and short communications, including: Management Science Financial management International Business Entrepreneurship Economics Monetary Economics, Finance, and Banking International Economics Public Economics Economic development Regional Economy Accounting Sciences Taxation and Public Sector Accounting Accounting information system Auditing Financial Accounting Management accounting Behavioral accounting
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
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Search results for , issue "114-127" : 1 Documents clear
Efektivitas Penggunaan Qris Terhadap Persepsi dan Keputusan Pembelian Konsumen pada Pedagang Kaki Lima di Simpang Tujuh Kudus Fauziyatul Husna, Naili; Budianita, Avira; Irawati, Fifi Endah
WACANA EKONOMI (Jurnal Ekonomi, Bisnis dan Akuntansi) 114-127
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/we.24.2.2025.114-127

Abstract

The development of financial technology in Indonesia has introduced a digital payment innovation known as Quick Response Code Indonesian Standard (QRIS), launched by Bank Indonesia in 2019 to unify various QR-based payment services into a more practical, fast, and secure system. QRIS implementation is not limited to the formal sector but has also reached street vendors (PKL), including those in Simpang Tujuh Kudus, one of the main trade centers. However, its utilization remains suboptimal as many vendors have not consistently activated, displayed, or offered QRIS to customers. This condition raises the question of how consumer perception is formed toward QRIS and whether it influences purchasing decisions. This study aims to analyze the effectiveness of QRIS usage on consumer perception and its impact on purchasing decisions. A quantitative method was applied using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software, and data were collected through questionnaires with a Likert scale. The results indicate that QRIS usage has a positive and significant effect on consumer perception; consumer perception significantly affects purchasing decisions and acts as a mediating variable between QRIS usage and purchasing decisions. Thus, optimal utilization of QRIS strengthens consumer trust and positive perception, while simultaneously encouraging purchasing decisions among street vendors in Simpang Tujuh Kudus.

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