Understanding the technology acceptance model in the QRIS usage: Evidence from SMEs in Indonesia

Dedy Husrizal Syah, Faisal Rahman Dongoran, Eko Wahyu Nugrahadi and Reza Aditia
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Dedy Husrizal Syah: Universitas Negeri Medan
Faisal Rahman Dongoran: Universitas Muhammadiyah Sumatera Utara
Eko Wahyu Nugrahadi: Universitas Negeri Medan
Reza Aditia: Universitas Muhammadiyah Sumatera Utara

International Journal of Research in Business and Social Science (2147-4478), 2022, vol. 11, issue 6, 12-19

Abstract: This study aims to examine the Technology Acceptance Model (TAM) for QRIS usage in SMEs in Indonesia. We employed Partial Least Square Structural Equation Modelling (PLS-SEM) with a first-order reflective model to analyze the data. The dataset contains 107 SMEs in Medan, Indonesia (n = 107). There are four constructs in the model in this study, namely: perceived usefulness, perceived ease of use, attitude toward using, and behavioral intention to use. After evaluating measurement models and structural models known to meet the criteria, we can conclude the results of the data analysis. In general, all variables positively affect other variables in this model, although one of them is insignificant. The results indicate that perceived usefulness is positive and significantly affects attitude toward using and behavioral intention to use. At the same time, attitude toward using is also positive and significantly affects behavioral intention to use. Furthermore, perceived ease of use is also shown to have a positive and significant effect on attitude toward using and perceived usefulness. However, perceived ease of use insignificantly affects behavioral intention to use, although it still positively affects the behavioral intention to use. The findings of this study provide some crucial implications for SMEs and the provider of QRIS. Since the results indicate welcoming QRIS usage, the socialization of QRIS needs to be more massive to reach the vast majority of Indonesian SMEs in Indonesia. Key Words:PLS-SEM, QRIS, SMEs, Technology Acceptance Model

Date: 2022
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