Integrated QR Payment System (QRIS): Cashless Payment Solution in Developing Country from Merchant Perspective
DOI:
https://doi.org/10.30595/jesh.v2i1.310Keywords:
Behavioeral Intention, Mobile Ease of Use, Perceived Security, Perceived Compatibility, Mobile UsefulnessAbstract
Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi adopsi sistem pembayaran digital QRIS di Indonesia, dengan fokus pada tantangan yang dihadapi oleh merchant, terutama di sektor UMKM, serta peran regulasi pemerintah dalam mendukung inklusi keuangan. Metode yang digunakan adalah kuantitatif dengan penyebaran kuesioner kepada 60 responden yang dipilih menggunakan convenience sampling. Data dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa Mobile Ease of Use berpengaruh signifikan terhadap Mobile Usefulness, dan Perceived Security juga berpengaruh terhadap Mobile Usefulness. Namun, tidak ditemukan pengaruh signifikan antara variabel-variabel lainnya, seperti kemudahan penggunaan, kesesuaian, dan keamanan terhadap niat perilaku pengguna. Penelitian ini menyoroti pentingnya peningkatan kemudahan penggunaan dan keamanan dalam mempercepat adopsi QRIS di sektor UMKM.
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