Dataset on Determinants of Use Mobile Payment (QRIS) Amongst Generation Z

Abstract

Objective: to examine the factors influencing Generation Z's interest in using mobile payments (QRIS), focusing on financial innovation, ease of use, and perceived financial risk. Theoretical framework: grounded in the theory that financial innovation, ease of use, and perceived financial risk are key determinants of Generation Z's intention to use mobile payments (QRIS). Method: participants for the study were chosen through a non-probability sampling technique, with the sample consisting of Generation Z individuals (born 1997-2010) residing in DKI Jakarta, and data were collected through the distribution of questionnaires to a random sample of 400 respondents, subsequently analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results and conclusion: generation Z's interest in mobile payments (QRIS) is significantly influenced by the positive effects of financial innovation, ease of use, and perceived financial risk, underscoring the overall inclination toward utilizing financial services, with noteworthy implications for the adoption of cashless movements, particularly government initiatives like QRIS. Implications of the research: the study offers valuable insights for crafting government programs focused on cashless movements, particularly QRIS, as the findings indicate that highlighting financial innovation and ease of use can significantly boost Generation Z's adoption of mobile payments. Originality/value: the dataset provides original insights into factors shaping Generation Z's interest in mobile payments (QRIS), with its value residing in its potential to inform and guide the development of government initiatives targeting the promotion of cashless transactions among the younger population.