Analysis of QRIS Users in Indonesia Society in the Cashless

Abstract

The development of the digital era is a time when information and communication technology has changed the way people live. One of the developments in the digital era is the increase in cellphone users, laptops, and using the internet from these developments making changes in the way of transactions in Indonesia. The digital way of transacting also affects consumer behavior in shopping, for example, currently many consumers choose to shop with non-cash payment methods. This study analyzes a user's intention and behavior towards the QRIS payment channel using the UTAUT2 theory. This study uses a survey method with a questionnaire to collect data from 364 respondents who are users of the QRIS payment channel in Indonesia with the criteria for QRIS payment channel users and those who have used and are over 17 years old. This research is quantitative research to measure and analyze data with the aim of testing the causal relationship between variables. This research uses SEM analysis with the help of LISREL V.8.8 software to analyze the data. The results of this study indicate that the intention to use the QRIS payment channel in the non-cash era using the UTAUT2 theory is influenced by effort expectancy, social influence, trust, habit, and perceived risk. Meanwhile, use behavior is influenced by habit and behavioral intention.