The Effect of Using Cashless (QRIS) on Daily Payment Transactions Using the Technology Acceptance Model

Abstract

Bank Indonesia launched a digital payment system innovation to build a better Indonesian economic system. The payment system established is QRIS. QRIS payments can facilitate the settlement of transactions made by the people of Indonesia and can also be effective, efficient, and a guaranteed technology security system. The variables used in this study are Social Influence, Perceived Usefulness, Perceived Ease of Use, and Perceived Trust using the Technology Acceptance Model (TAM) research method. Research data is processed using the Smart-PLS application to obtain valid calculation results. This study aims to determine the effectiveness of QRIS users, user trust in the QRIS security system, and user satisfaction using QRIS. Based on the research results that have been carried out, implementing a cashless has made good progress in using transactions through QRIS. From the research survey results, 522 respondents used QRIS, and 54 respondents did not use QRIS. This can be seen from the respondents influence in every Indonesian region. It can be seen that the implementation of QRIS has made good progress in the use of transactions through QRIS users, which can be seen from the presence of respondents in every region of Indonesia. However, in some cases, there is a lack of facilities and infrastructure for transactions via QRIS because interest in using QRIS is still lacking in areas outside Jabodetabek. From the results of research conducted by the author, the hypothesis that the author obtained was 8, namely Social Influence (SI) has a positive effect on Perceived Usefulness (PU), Social Influence (SI) has a positive effect on Perceived Ease of Use (PEOU), Perceived Usefulness (PU) positively influenced by Perceived Ease of Use (PEOU), Perceived Trust (PT) is positively influenced by Perceived Usefulness (PU), Perceived Trust (PT) is positively influenced by Perceived Usefulness (PU), Behavior Intention of Use (BI) is influenced positively by Perceived Trust (PT), Behavior Intention of Use (BI) is positively influenced by Perceived Usefulness (PU), Use Behavior is positively influenced by Behavior Intention of Use (BI).