Tujuan dari penelitian ini untuk melihat pengaruh kepercayaan, budaya, gaya hidup, dan literasi keuangan terhadap keputusan generasi Z menggunakan QRIS sebagai alat transaksi digital. Penelitian ini menggunakan metode kuantitatif. Pengumpulan data menggunakan kuesioner dengan teknik simple random sampling sebanyak 98 responden. Kepercayaan, budaya, gaya hidup dan literasi keuangan memiliki kontribusi sebesar 73,5% terhadap keputusan generasi Z menggunakan QRIS, sisanya 26,5% dijelaskan oleh variabel lainnya diluar model penelitian ini. Hasil dari uji parsial disimpulkan bahwa variabel kepercayaan, budaya dan gaya hidup berpengaruh positif dan signifikan terhadap keputusan menggunakan QRIS pada generasi Z. Variabel literasi keuangan berpengaruh negatif dan tidak signifikan terhadap keputusan generasi Z menggunakan QRIS. Berdasarkan uji ANOVA, F-hitung diperoleh sebesar 64,431 lebih besar dari F-tabel (2.47), dapat disimpulkan bahwa kepercayaan, budaya, gaya hidup, dan literasi keuangan berpengaruh secara simultan terhadap keputsan geerasi Z menggunakan Quick Response Code Indonesian Standard (QRIS) sebagai alat transaksi digital
The purpose of this study was to determine the effect of perceived trust, perceived benefits, perceived ease of use, and perceived risk on interest in using QRIS as a digital payment instrument. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Perceived trust, perceived benefits, perceived ease of use and perceived risk have a contribution of 71% to interest in using QRIS, the remaining 29% is explained by other variables outside this research model. The results of the t-test concluded that the variables of perceived trust, perceived benefits, perceived ease of use and perceived risk had a positive and significant effect on interest in using QRIS in Febi Uinsu Medan students. Based on the ANOVA test, the F-count obtained is 60.471 which is greater than the F-table (2.47), the results of the hypothesis indicate that the variable perception of trust with a sign value of 0.000, perceived ease of use with a sign value of 0.033, perceived usefulness with a sign value of 0.13, and the perception of the risk of the 0.000 sign partially affects the interest in using QRIS. So it can be concluded that the perception of trust, perceived benefits, perceived ease of use and perceived risk simultaneously influence the interest in using Quick Response Code Indonesian Standard (QRIS) as a digital payment instrument. Keywords: Consumer Perception, Interests, Qris, Digital Payment Instruments.
The purpose of this study was to determine the effect of perceived trust, perceived benefits, perceived ease of use, and perceived risk on interest in using QRIS as a digital payment instrument. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Perceived trust, perceived benefits, perceived ease of use and perceived risk have a contribution of 71% to interest in using QRIS, the remaining 29% is explained by other variables outside this research model. The results of the t-test concluded that the variables of perceived trust, perceived benefits, perceived ease of use and perceived risk had a positive and significant effect on interest in using QRIS in Febi Uinsu Medan students. Based on the ANOVA test, the F-count obtained is 60.471 which is greater than the F-table (2.47), the results of the hypothesis indicate that the variable perception of trust with a sign value of 0.000, perceived ease of use with a sign value of 0.033, perceived usefulness with a sign value of 0.13, and the perception of the risk of the 0.000 sign partially affects the interest in using QRIS. So it can be concluded that the perception of trust, perceived benefits, perceived ease of use and perceived risk simultaneously influence the interest in using Quick Response Code Indonesian Standard (QRIS) as a digital payment instrument. Keywords: Consumer Perception, Interests, Qris, Digital Payment Instruments.
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