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The Influence of TAM Variables and Financial Literacy on QRIS Payment Decisions with Interest as an Intervening Variable (Study on Semarang State Polytechnic Students)

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  • Edi Wijayanto,
  • Muhammad Rois,
  • Theresia Tyas Listyani,
  • Sri Widiyati,
  • Manarotul Fatati
Edi Wijayanto
Study Program of Financial Analyst, Major of Accounting, Semarang State Polytechnic
Muhammad Rois
Study Program of Financial Analyst, Major of Accounting, Semarang State Polytechnic
Theresia Tyas Listyani
Study Program of Financial Analyst, Major of Accounting, Semarang State Polytechnic
Sri Widiyati
Study Program of Financial Analyst, Major of Accounting, Semarang State Polytechnic
Manarotul Fatati
Study Program of Financial Analyst, Major of Accounting, Semarang State Polytechnic
Published in : International Journal of Scientific Research and Management (IJSRM) , Vol. 12 No. 04 (2024)

Published 2024-04-21

Keywords

  • QRIS, TAM variables, Financial Literacy.

Copyright (c) 2024 Edi Wijayanto, Muhammad Rois, S.E., M.Sc, Theresia Tyas Listyani, S.E, M.Si, Dra. Sri Widiyati, M.Si, Manarotul Fatati, S.E, M.M

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Abstract

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.913. The findings reveal that TAM variables—perceived ease of use, perceived usefulness, perceived enjoyment, and financial literacy—significantly influence decision of QRIS payment through interest in adopting digital payments as an intervening variable, supported by probability values below 5%

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