Analysis of interest in using the indonesian standard quick response code (qris) as a digital payment tool for micro-business actors in the jalan raya area north ring road of tasikmalaya city
Keywords:
Interest in Use, Digital Payment, QRIS, Technology Acceptance Model, MSMEsAbstract
The development of digital technology has driven the transformation of payment systems, including the use of the Quick Response Code Indonesian Standard (QRIS) as a digital payment tool in Indonesia. Although QRIS adoption continues to increase nationally and regionally, the level of use by micro-businesses in the North Ring Road area of Tasikmalaya City still varies. This study aims to analyze the factors influencing QRIS usage intention among micro-businesses using a modified Technology Acceptance Model (TAM) framework, namely Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Subjective Norm (SN), Trust (TR), and Perceived Security (PS). This study uses a quantitative approach with a survey method of 162 micro-businesses. Data were collected through questionnaires and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with the help of SmartPLS software. The results show that Perceived Ease of Use, Subjective Norm, and Perceived Security have a significant effect on QRIS usage intention. Meanwhile, Perceived Usefulness and Trust do not have a significant effect on QRIS usage intention. These results indicate that ease of use, social influence, and perceived security are the main factors in driving micro-business actors' interest in using QRIS.
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