Digital financial transformation in religious traditions: Analyzing Qris usage intentions for dana Punia in Bali
Putu Laksmita Dewi Rahmayanti (),
I Gusti Ayu Ketut Giantari (),
Ni Wayan Ekawati () and
Putu Yudi Setiawan ()
Edelweiss Applied Science and Technology, 2025, vol. 9, issue 6, 345-362
Abstract:
This study aims to investigate the influence of usage barriers, risk barriers, tradition barriers, product knowledge, attitude, and personal norms on the intention to use QRIS (Quick Response Code Indonesian Standard) for almsgiving at temples in Bali. This research provides culturally grounded recommendations for temple managers, QRIS service providers, and policymakers to promote QRIS adoption in religious settings. A quantitative survey method was employed, involving 189 temple devotees in Bali. Structural Equation Modeling (SEM) was used to analyze the relationships among variables, including the effects of attitude and personal norms as mediators. The results reveal that usage and tradition barriers significantly and negatively affect the intention to use QRIS, while risk barriers show a minor negative impact. Conversely, product knowledge, attitude, and personal norms positively and significantly influence QRIS adoption. Attitude and personal norms also serve as key mediators. The findings highlight the importance of reducing technological and cultural barriers and enhancing digital literacy. Practical implications include the need for consistent user education, involvement of religious leaders, and the development of trust through transparent practices and better user experiences. This study contributes original insights into the intersection of technology adoption and religious-cultural practices, offering a roadmap for sustainable QRIS integration in similar contexts.
Keywords: Attitudes; Barriers to use; Intention to use; Personal norms; Product knowledge; QRIS; Traditional barriers. (search for similar items in EconPapers)
Date: 2025
References: Add references at CitEc
Citations:
Downloads: (external link)
https://learning-gate.com/index.php/2576-8484/article/view/7812/2669 (application/pdf)
Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.
Export reference: BibTeX
RIS (EndNote, ProCite, RefMan)
HTML/Text
Persistent link: https://EconPapers.repec.org/RePEc:ajp:edwast:v:9:y:2025:i:6:p:345-362:id:7812
Access Statistics for this article
More articles in Edelweiss Applied Science and Technology from Learning Gate
Bibliographic data for series maintained by Melissa Fernandes ().