Faktor-Faktor Yang Mempengaruhi Penerimaan User Terhadap Penerapan Quick Response Indonesia Standard Sebagai Teknologi Pembayaran Pada Dompet Digital

Abstract

Quick Response Indonesia Standard (QRIS) is the QR Code which is standardized by Bank Indonesia as the technology used for the cashless payment method. It has been released officially since January 2020. The aim of this standardization is to provide an easier and more efficient payment method by QR Code technology. The electronic wallet's providers which are already implemented QRIS as their payment technology are Go-Pay and OVO. The goal of this research is to predict the factors affecting the user acceptance of QRIS implementation as the electronic wallet’s payment technology. The user acceptance regarding the QRIS implementation is predicted by user technology acceptance model called UTAUT 2. The variables used in this research are all UTAUT 2 model variables except age, gender, experience, and price value. The method used for analysing the data in this research is PLS-SEM. The result of this research shows that the facilitating conditions and hedonic motivation affect the user's behavioral intention for using QRIS as their payment technology, and this behavioral intention also gives the effect to their use behavior.

Gerakan Melek Digital Keuangan Pada Masyarakat Kelurahan Gajah Mada

“…Mobile payment seperti m-banking yang disediakan oleh bank, maupun yang disediakan oleh lembaga non-bank seperti OVO, DANA, FLIP, Go Pay, serta Shopee pay. Pembayaran secara digital melalui uang elektronik, tidak hanya memberikan satu pilihan pembayaran yang aman dan non-kontak bagi masyarakat (Mayanti, 2020).…”

Persuasive and Educative Advertising Content of Quick Response Code Indonesian Standard in Pandemic Era

“…If previously we imagined that all of digital wallet applications could be combined into one code that was realized through QRIS on January 1, 2020, now we can make contactless payments with merchants (Mayanti, 2020). People who want to make transactions can simply save the merchant's QRIS on their cell phone, upload the merchant's QRIS to e-wallet application, and pay for products or services according to nominal.…”

Effect Analysis Of Benefit Perception, Ease Perception, Security And Risk Perception Of Merchant Interest In Using Quick Response Indonesia Standard (Qris)

“…The desire for a fast and secure payment system is the reason behind the implementation of digital financial transaction services [2]The most prominent development of financial technology (fintech) in Indonesia is the field of payments. Currently, the payment technique that is developing in the community is digital-based payments (cashless) [3] The application of e-money that has been used for online and offline payments can make it easier for merchants or merchants to transact. The cooperation between merchants and e-money providers will increase financial inclusiveness and encourage economic development [4]According to Bank Indonesia, non-cash payment techniques are divided into two, namely, e-money and e-wallet.…”