Analisis Faktor-Faktor yang Mempengaruhi Niat Penggunaan QRIS di Kalangan Mahasiswa Kalimantan: Pendekatan UTAUT2 dan TAM

Setio Ardy Nuswantoro(1*), Muhammad Ulfi(2), Nur Azizah(3),

(1) Universitas Muhammadiyah Palangkaraya, Kalimantan Tengah, Indonesia
(2) Universitas Muhammadiyah Palangkaraya, Kalimantan Tengah, Indonesia
(3) STKIP PGRI Situbondo, Jawa Timur, Indonesia
(*) Corresponding Author

Abstract


Perkembangan teknologi, khususnya dalam pemanfaatan smartphone, telah mengubah lanskap transaksi digital di Indonesia, memfasilitasi partisipasi masyarakat dengan lebih efisien. Studi ini menginvestigasi adopsi Quick Response Code Indonesian Standard (QRIS) sebagai sistem pembayaran digital yang inovatif. Dengan mengaplikasikan Unified Theory of Acceptance and Use of Technology (UTAUT2) dan Technology Acceptance Model (TAM), penelitian ini menganalisis faktor-faktor yang mempengaruhi niat dan perilaku pengguna terhadap QRIS di kalangan mahasiswa Kalimantan dan survei online dilakukan terhadap 392 mahasiswa. Hasil analisis struktural menunjukkan konstruk model yang digunakan valid dan reliabel untuk dilakukan uji hipotesis. Hasil uji hipotesis menunjukkan bahwa Effort Expectancy, Social Influence, dan Price Value tidak berpengaruh terhadap niat dan penggunaan QRIS di Kalimantan. Facilitating Condition juga tidak berpengaruh secara langsung terhadap penggunaan QRIS, akan tetapi memiliki pengaruh tidak langsung melalui niat penggunaan QRIS.

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DOI: https://doi.org/10.30645/kesatria.v5i3.449

DOI (PDF): https://doi.org/10.30645/kesatria.v5i3.449.g444

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