Pengaruh Pengetahuan, Kemudahan Penggunaan dan Kredibilitas terhadap Minat Penggunaan Quick Response Code Indonesian Standard (QRIS)
Article Sidebar
Main Article Content
Abstract
Penelitian ini bertujuan untuk menyebarkan pengaruh pengetahuan, kemudahan penggunaan, dan kredibilitas terhadap minat penggunaan Quick Response Code Indonesian Standard (QRIS) pada mahasiswa aktif Universitas Djuanda Bogor. Metode penelitian ini menggunakan deskriptif kuantitatif dengan Teknik Simple Ramdom Sampling untuk memastikan objektifitas pemeilihan responden. Ukuran sampel situs menggunakan rumus Slovin dengan tingkat kelonggaran 5%, sehingga diperoleh 390 responden. Analisis data dilakukan menggunakan Structual Equation Modeling (SEM) melalui program SmartPLS 3.0. Temuan penelitian menunjukkan bahwa pengetahuan, kemudahan penggunaan, dan kredibilitas secara parsial maupun simultan berpengaruhh secara signifikan dan positif terhdap minat penggunaan QRIS. Kredibilitas diidentifikasi sebagai faktor paling dominan yang mempengaruhi minat mahasiswa. Keterbatasan penelitian ini terletak pada fokus subjek yang terbatas pada lingkungan satu Universitas. Orisinalitas penelitian ini memeberikakontribusi pada pemahaman perilaku adopsi teknologi finansial pada segmen pelajar aktif di ekosistem kampus.
Article Details
References
Ayer, A. J. (1956). The Problem of Knowledge.
Chen, Y., & Li, X. (2022). The Role of Perceived Credibility in User Acceptance of Blockchain-Based Payment Systems, 45–58.
CNN Indonesia. (2024). Gaya hidup digital: Risiko perilaku konsumtif di kalangan generasi muda akibat kemudahan transaksi.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology, 319–340.
Gunawan, A., Farrah, A., & Fatikasari, F. (2023). ScienceDirect The Effect of Using Transactions Cashless ( QRIS ) on Daily Payment the Technology Acceptance Model Model the. Procedia Computer Science, 227, 548–556. https://doi.org/10.1016/j.procs.2023.10.557
Hadi, R., Gigih, T., Atmono, D., & Dwi, H. (2025). Computers and Education : Artificial Intelligence Extending the technology acceptance model : The role of subjective norms , ethics , and trust in AI tool adoption among students. Computers and Education: Artificial Intelligence, 8(July 2024), 100379. https://doi.org/10.1016/j.caeai.2025.100379
Hakim, L. N., & Suryatimur, K. P. (2022). Efektivitas Peran Audit Internal Dalam Pencegahan Fraud. Jurnal Ilmiah Akuntansi Kesatuan, 10(3), 523–532. https://doi.org/10.37641/jiakes.v10i3.1412
Ikwanto, H., & Indriani, S. (2024). Pengaruh Persepsi Kemudahan, Kemanfaatan, Dan Literasi Digital Terhadap Adopsi QRIS, 1–10.
Kawamoto, C. T., Spers, R. G., & Fleury, A. L. (2023). Determinants of success of mobile payments as innovations : An exploratory study based on the extant literature , the M ‑ Pesa , Alipay , and Nubank cases , and the opinion of experts. Future Business Journal, 9(1), 1–18. https://doi.org/10.1186/s43093-023-00272-7
Kompas.com. (2024). Mengenal fenomena painless spending dan pengaruhnya terhadap kontrol keuangan masyarakat. Kompas.Com.
Kenesei,Z., Melinda, J., & Syahrivar, J. (2022). Trust and perceived risk : How different manifestations affect the adoption of autonomous vehicles ´ a Zs o M a. 164(August), 379–393. https://doi.org/10.1016/j.tra.2022.08.022
Natasia, S. R., Wiranti, Y. T., & Parastika, A. (2022). ScienceDirect Acceptance analysis of NUADU as e-learning platform usingapproach Technology Acceptance Model ( TAM ) approach. Procedia Computer Science, 197(2021), 512–520. https://doi.org/10.1016/j.procs.2021.12.168
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2017). Computers in Human Behavior Mobile payment : Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(2016), 404–414. https://doi.org/10.1016/j.chb.2016.03.030
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). International Journal of Information Management Understanding consumer adoption of mobile payment in India : Extending Meta-UTAUT model with personal innovativeness , anxiety , trust , and grievance redressal. International Journal of Information Management, 54(February), 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144
Puspitasari, A. A., Salehudin, I., & Management, L. (2022). Quick Response Indonesian Standard ( QRIS ): Does Government Support Contributes to Cashless Payment System Long-term Adoption ? 1, 1–15.
Putri, G. A., Widagdo, A. K., & Setiawan, D. (2023). Analysis of financial technology acceptance of peer to peer lending (P2P lending) using extended technology acceptance model (TAM). Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100027. https://doi.org/10.1016/j.joitmc.2023.100027
Rogers. (2003). DIFFUSION OF Third Edition.