The Effect of Qris Use on Interest and Behavior of Non-Cash Transactions in Indonesia
Keywords:
consumer behavior; consumer interest; digital payment adoption; perceived ease of use; perceived usefulness; QRIS; Technology Acceptance Model
Abstract
Despite extensive national promotion, the adoption rate of QRIS (Quick Response Code Indonesian Standard) as a digital payment method in Indonesia remains relatively low. This study aims to examine the influence of Perceived Ease of Use (PEU) and Perceived Usefulness (PU) on Consumer Interest (CI) and Consumer Behavior (CB) in utilizing QRIS for non-cash transactions. Using the Technology Acceptance Model (TAM) as the theoretical framework, this research introduces CI as a mediating variable to better understand users’ behavioral responses. A quantitative approach was slot gacor applied, targeting individuals who have used or are familiar with QRIS. Data were collected from 131 respondents using purposive sampling through an online questionnaire. The data were analyzed using path analysis with the SPSS software. The findings indicate that PEU significantly affects PU, and both PEU and PU positively influence CI. Furthermore, PU and CI have a direct positive impact on CB. Additionally, PU acts as a partial mediator between PEU and CB, as well as between CI and CB. The novelty of this study lies in incorporating CI into the TAM framework to explain QRIS adoption more comprehensively. These findings offer valuable implications for policymakers, financial institutions, and platform developers in formulating strategies that enhance QRIS adoption, thereby supporting the advancement of a cashless economy in Indonesia.
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Cesariana, C., Juliansyah, F., & Fitriyani, R. (2022). model keputusan pembelian melalui kepuasan konsumen pada marketplace: kualitas produk dan kualitas pelayanan (literature review manajemen pemasaran). jurnal manajemen pendidikan dan ilmu sosial, 3(1), 211–224. https://doi.org/10.38035/jmpis.v3i1.867
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Msc. (2024, March 14). Strengthening the digital ecosystem: Expanding the adoption of Quick Response Code Indonesian Standard (QRIS) among MSMEs in Indonesia. MicroSave Consulting (MSC). https://www.microsave.net/2021/07/05/strengthening-the-digital-ecosystem-expanding-the-adoption-of-quick-response-code-indonesian-standard-qris-among-msmes-in-indonesia/
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Sugiyono. (2023). Statistika untuk penelitian. Alfabeta.
Muchtar, E. H., Trianto, B., Maulana, I., Alim, M. N., Marasabessy, R. H., Hidayat, W., Junaedi, E., & Masrizal, N. (2024). Quick response code Indonesia standard (QRIS) E-payment adoption: customers perspective. Cogent Business & Management, 11(1). https://doi.org/10.1080/23311975.2024.2316044
Rachmawati, Y. N., Iksanty, I. D., Fadilah, D. H., Nurfitriah, N., & Masrizal, N. (2025). QRIS Adoption in the Millenial Generation: Approach Unified Theory of Acceptance and Use of Technology (UTAUT) Theory. In Advances in Social Science, Education and Humanities Research/Advances in social science, education and humanities research (pp. 1610–1624). https://doi.org/10.2991/978-2-38476-317-7_153
Buchdadi, A. D., Rahmawati, A. A., Siregar, M. E. S., Muttaqien, M. R., & Zaki, A. (2024). Analysis of factors affecting behavioral intention to use QRIS in MSMEs: Expansion of technology acceptance model. Journal of Infrastructure Policy and Development, 8(15), 9108. https://doi.org/10.24294/jipd9108
Albert, B., & Tullis, T. (2022). Measuring the user experience collecting, analyzing, and presenting UX metrics (Third Edition). https://www.sciencedirect.com/book/9780128180808/measuring-the-user-experience#book-info
Nainggolan, E. G. M., Silalahi, B. T. F., & Sinaga, E. M. (2022). Analisis kepuasan Gen Z dalam menggunakan QRIS di Kota Pematangsiantar. Manajemen : Jurnal Ekonomi/Manajemen: Jurnal Ekonomi, 4(1), 24–32. https://doi.org/10.36985/manajemen.v4i1.351
Kurniawati, I., & Junadi, P. (2023). Technology Acceptance Model (TAM) sebagai Metode Untuk Menilai Penggunaan Teknologi dalam Sistem Informasi dan Manajemen Rumah Sakit. Syntax Literate Jurnal Ilmiah Indonesia, 7(9), 16442–16450. https://doi.org/10.36418/syntax-literate.v7i9.13988
Nainggolan, E. G. M., Silalahi, B. T. F., & Sinaga, E. M. (2022b). Analisis kepuasan Gen Z dalam menggunakan QRIS di Kota Pematangsiantar. Manajemen : Jurnal Ekonomi/Manajemen: Jurnal Ekonomi, 4(1), 24–32. https://doi.org/10.36985/manajemen.v4i1.351
Afandi, A., Rukmana, L., & R, W. W. (2022). Efektivitas dan Efisiensi Sistem Pembayaran Non Tunai Quick Response Indonesian Standard (QRIS) dalam Mempengaruhi Inklusi Keuangan Mahasiswa. BanKu Jurnal Perbankan Dan Keuangan, 3(2), 73–83. https://doi.org/10.37058/banku.v3i2.5823
Putra, A. E., & Budiono, A. (2023). Pengaruh Citra Merek, Word Of Mouth, Persepsi Harga Terhadap Keputusan Pembelian Melalui Kepuasan Pelanggan di Es Teh Indonesia Bintaro. J-CEKI Jurnal Cendekia Ilmiah, 3(1), 137–149. https://doi.org/10.56799/jceki.v3i1.1874
Nainggolan, E. G. M., Silalahi, B. T. F., & Sinaga, E. M. (2022b). Analisis kepuasan Gen Z dalam menggunakan QRIS di Kota Pematangsiantar. Manajemen : Jurnal Ekonomi/Manajemen: Jurnal Ekonomi, 4(1), 24–32. https://doi.org/10.36985/manajemen.v4i1.351
Saputra, I. K. L., & Wardana, I. M. (2023). pengaruh social media marketing, brand image dan e-wom terhadap minat beli konsumen. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 1584. https://doi.org/10.24843/eeb.2023.v12.i01.p05
Huda, N., Hulaify, A., Zakiyah, Z., & Komarudin, P. (2023). Pengaruh perilaku konsumen dan minat konsumen terhadap keputusan pembelian pusat baju bekas Banjarmasin. Jurnal Ilmiah Mahasiswa perbankan syariah (JIMPA), 3(1), 1–12. https://doi.org/10.36908/jimpa.v3i1.155
Hidayatullah, N. (2022). Pengaruh Store Atmosphere dan Word Of Mouth Terhadap Keputusan Pembelian Pada Gubug Makan Mang Engking Solo. BIMA Journal of Business and Innovation Management, 4(3), 450–464. https://doi.org/10.33752/bima.v4i3.5562
Hafizi, N. a. A. (2021). model minat beli dan keputusan pembelian iklan: pemasaran multi channels dan discount di portal berita online medcom.id. Jurnal Ekonomi Manajemen Sistem Informasi, 2(4), 479–489. https://doi.org/10.31933/jemsi.v2i4.452
Satiawan, A., Hamid, R. S., & Maszudi, E. (2023b). Pengaruh Content Marketing, Influencer Marketing, Online Custumer Review Terhadap Keputusan Pembelian dan Kepuasan Konsumen Di Tiktok. jurnal manajemen dan bisnis indonesia, 9(1), 1–14. https://doi.org/10.32528/jmbi.v9i1.238
Cesariana, C., Juliansyah, F., & Fitriyani, R. (2022). model keputusan pembelian melalui kepuasan konsumen pada marketplace: kualitas produk dan kualitas pelayanan (literature review manajemen pemasaran). jurnal manajemen pendidikan dan ilmu sosial, 3(1), 211–224. https://doi.org/10.38035/jmpis.v3i1.867
Chen, X., Zhang, X.-e., & Chen, J. (2024). TAM-based study of farmers’ live streaming e-commerce adoption intentions. Agriculture, 14(4), 518. https://doi.org/10.3390/agriculture14040518
Published
2025-11-25
How to Cite
Forever, F., & Joel Imanuel. (2025). The Effect of Qris Use on Interest and Behavior of Non-Cash Transactions in Indonesia. Jurnal Manajemen Dan Keuangan, 14(2), 306-320. https://doi.org/10.33059/jmk.v14i2.12179
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