Digital Payment During Pandemic: An Extension of The Unified Model of QR Code

Abstract

QR Code Indonesian Standard (QRIS) is a digital payment system using a QR code that officially regulated in 2020. However, during the implementation of QRIS, there were still several problems, including security and data problems. The balance at the transaction time was not truncated, misuse of data, and application errors when scanning QR codes. This study aims to determine the factors that affect the acceptance of digital payments using QRIS. Especially those related to gaps in problems and research by combining the theory of acceptance and use of technology (UTAUT) and other variables that are also a problem in applying digital payments Security and Trust. The target population of this study is all digital payment users who use QRIS. Through the convenience sampling method, with a sample of 205 respondents. The questionnaire is distributed through an online questionnaire with Microsoft form. After that, the data will be evaluated using the Structural Equation Model (SEM) - Partial Least Square (PLS). The study results show that security as a reference is fundamental for users to increase their intention to use QR codes. Meanwhile, other components such as performance expectations and trust have proven to be essential components in initiating the intention to use digital payments using QR Code. However, not all variables from UTAUT have a significant impact, such as effory expectations. This is because an essential point in using digital payments using QR codes, especially during a pandemic, requires more security and productivity.
 
 Received: 19 June 2021 / Accepted: 15 September 2021 / Published: 5 November 2021

Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model

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“…After users use technology and feel convenience and benefits, the tendency to adopt technology continuously gets bigger. Previous researchers have stated that Intention to use is the biggest factor in influencing technology adoption [4], [7], [26], [27]. So, the hypotheses are as follows: Based on the explanation above, each of these constructs has a relationship with other constructs to form a hypothesis.…”

“…On the contrary, there are inhibiting factors, namely DSCM and INSC. Security is one of the most essential considerations in the adoption of new technologies [7]. The more secure the technology, the easier it will be for users to find it useful in their daily lives.…”

E-Government Finance System Readiness for Village Government Employees: Lessons from Indonesia

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“…This gives rise to an in-depth knowledge of how users can adopt the technology properly. Previous researchers have shown clear evidence of digital payments, such as the complexity of payment procedures [18,19], privacy and security risks [20][21][22][23]], lack of merchant acceptance of technology adoption [24][25][26], and the perceived lack of convenience and usefulness [27][28][29][30]. Previous literature shows that there are barriers to use due to the inability to operate a smartphone [17,31] and digital literacy [32].…”