Adopsi QRIS dan perilaku penggunaan aktual: Peran kemudahan penggunaan, ekspektasi kinerja, dan niat perilaku

Authors

  • Chandra Kevin Dirgantara Fakultas Ekonomi dan Bisnis, Universitas Swadaya Gunung Jati Cirebon
  • Aang Curatman Fakultas Ekonomi dan Bisnis, Universitas Swadaya Gunung Jati Cirebon

DOI:

https://doi.org/10.53088/jmdb.v6i3.3090

Keywords:

QRIS, Technology Adoption, UTAUT, Digital Payments

Abstract

The digital payment transformation in Indonesia is accelerating rapidly with the adoption of QRIS (Quick Response Code Indonesian Standard) as the national standard. Although QRIS user growth has been significant, a gap remains in understanding the mechanisms behind this technology’s adoption. This study aims to analyze the influence of Ease of Use and Performance Expectations on Actual QRIS Usage Behavior through Behavioral Intention as a mediating variable. Using a quantitative approach with a cross-sectional design, data were collected from 201 active QRIS users in Cirebon City via a structured questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that Usability and Performance Expectations significantly and positively influence Actual Usage Behavior, with Performance Expectations having a stronger effect. However, Behavioral Intention did not mediate this relationship, suggesting that practical needs and habits influence QRIS usage more than conscious intentions. These findings have important implications for regulators and service providers in optimizing strategies to increase QRIS adoption by emphasizing the system’s functional benefits and ease of use.

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Published

2026-09-26

How to Cite

Dirgantara, C. K., & Curatman, A. (2026). Adopsi QRIS dan perilaku penggunaan aktual: Peran kemudahan penggunaan, ekspektasi kinerja, dan niat perilaku. Journal of Management and Digital Business, 6(3), 1341–1356. https://doi.org/10.53088/jmdb.v6i3.3090

Issue

Vol. 6 No. 3 (2026): Journal of Management and Digital Business

Section

Articles

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Copyright (c) 2026 Chandra Kevin Dirgantara, Aang Curatman

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