Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model

Abstract

Digital age has a significant impact on people's daily activities. One of the benefits of digitalization is the emergence of digital payment systems to facilitate transactions. QRIS (Quick Response Indonesian Standard) is one of the non-cash payment systems launched by Bank Indonesia and the Indonesian Payment Systems Association in 2019. Although QRIS continues to increase users every year, the tendency of Indonesian people to use cash or debit cards for transactions is still high. In addition, the discovery of security loopholes in the QRIS payment system also makes people hesitant to use the system. This study aims to examine the effect of perceived ease of use, perceived usefulness, perceived security on actual usage through behavioral intention to use as an intervening variable. The type of research used is explanatory research. Sampling was carried out using non-probability techniques with purposive sampling and accidental sampling methods. The population of this study was QRIS users residing permanently or temporarily in Semarang City. Data processing was carried out using the SmartPLS 3.2.9 software. The results of this study showed that perceived ease of use did not influence actual usage, either directly or indirectly. However, perceived usefulness and perceived security have an indirect effect on actual usage. The influence of behavioral intention to use is full mediation on perceived usefulness and perceived security on actual usage.