The Influence of Financial Literacy, Perceived Ease, Perceived Security, Perceived Benefits, and Trust on Gen Z’s Decision to Use QRIS

Aleandra Rizki Berlian () and Ratih Kusumawardhani
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Aleandra Rizki Berlian: Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics
Ratih Kusumawardhani: Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics

A chapter in Proceedings of the 4th International Conference on Management and Business (ICoMB 2025), 2026, pp 180-190 from Springer

Abstract: Abstract The objective of this research is to examine how financial literacy, per-ceived usability, perceived security, perceived convenience of use, and per-ceived trust affect Generation Z’s decision to utilize the Indonesian Standard Quick Response Code (QRIS). The rise in QRIS use among Gen-Z is an indication of the transformation of financial behavior driven by the development of digital technology. This study takes a quantitative approach, surveying 100 Generation Z respondents in Yogyakarta. Multiple linear regression was used in SPSS to evaluate the data. The findings indicate that financial literacy and perceived utility have a large positive effect on the decision to use QRIS, but perceived ease of use, perceived security, and trust have a positive but small effect. These results are expected to contribute to the development of policies and strategies to improve digital financial literacy among the younger generation.

Keywords: Financial Literacy; Perceived Ease; Perceived Security; Perceived Benefits; Trust; QRIS; Generation Z (search for similar items in EconPapers)
Date: 2026
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DOI: 10.2991/978-94-6239-656-2_14

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