Perceived Usefulness Mediates Perceived Ease of Use and Intention

Rido Wiranata (), Abdul Razak Munir and Nuraeni Kadir
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Rido Wiranata: Hasanuddin University
Abdul Razak Munir: Hasanuddin University
Nuraeni Kadir: Hasanuddin University

A chapter in Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025), 2026, pp 1187-1193 from Springer

Abstract: Abstract This study investigates the mechanism through which Perceived Ease of Use (PEOU) influences Intention to Use QRIS among culinary MSMEs in Kota Kediri, East Java, by testing Perceived Usefulness (PU) as an intervening variable. Employing a quantitative, data were collected via a structured Likert questionnaire from a purposive sample of MSME merchants. Data analysis included validity and reliability checks, descriptive statistics, and structural equation/path analysis with a Sobel test for mediation. Results show a strong and significant effect of PEOU on PU, a moderate and significant effect of PU on Intention to Use, and a smaller but still significant direct effect of PEOU on Intention. The indirect effect is significant, yielding a total effect and indicating partial mediation. Findings imply that usability enhancements not only lower adoption barriers directly but—importantly—elevate perceived instrumental value that drives intention; thus, policy and practice should combine user-centered UX improvements with infrastructural and organizational measures to convert registration into repeated, reliable QRIS use. Limitations include sectoral and cross-sectional scope; longitudinal and intervention studies are recommended.

Keywords: Perceived Usefulness; Perceived Ease of Use; Intention to Use; Quick Response Code Indonesian Standard; MSME (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6239-709-5_82

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DOI: 10.2991/978-94-6239-709-5_82

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