Quick response code Indonesia standard (QRIS) E-payment adoption: customers perspective

Evan Hamzah Muchtar, Budi Trianto, Irwan Maulana, Muhammad Nurul Alim, Ruslan Husen Marasabessy, Wahyu Hidayat, Edy Junaedi and Masrizal

Cogent Business & Management, 2024, vol. 11, issue 1, 2316044

Abstract: The Indonesian government has now developed a QRIS EPayment for non-cash transaction between MSMEs and customers. MSMEs are the main channel for the success of the program through various transaction services provided to customers. This study aims to investigate the determine customers intention to adopt of QRIS e-Payment in Indonesia. Extended of UTAUT Theory will be used to investigate. Partial least squares structural equation modeling (PLS-SEM) was use to analyze the data. Using the purposive sampling technique, this study collected 195 respondents. We found that There are two main variables driving the customer in adopting of QRIS e-payment, namely social influence and facilitating conditions. Meanwhile, the variable performance expectancy and effort expectancy have a positive but insignificant effect. This result implies that In order to increase customer intention to use the QRIS e-payment system by consumers in Indonesia, QRIS service providers need to form a favorable opinion in society by increasing social influence through collaborating with community leaders or important people in their community and facilitating services that facilitate community adopts QRIS. This will encourage customer intention to adopt of QRIS e-payment and accelerate the migration of cash transactions to non-cash transactions in Indonesia.

Date: 2024
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DOI: 10.1080/23311975.2024.2316044

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