The Effect of Financial Literacy, Perceived Risk, and Perceived Ease of Use on Quick Response Code Indonesian Standard (QRIS)

Abstract

ZULFA AZKA SETIYAPUTRI. The Effect Of Financial Literacy, Perceived Risk, and Perceived Ease Of Use On Quick Response Code Indonesian Standard (QRIS). Supervised by LIEN HERLINA dan FITHRIYYAH SHALIHATI. The rapid growth of digital payments has shifted traditional methods to digital card-based systems, which are unified under QRIS. The increasing availability of QRIS provides a significant opportunity for its widespread use. However, financial literacy, perceived risk, and perceived ease of use all influence usage decisions. This study investigates these variables and their impact on QRIS adoption among Generation Z in Bogor City. An online survey was used to collect data from 205 respondents, which were then analyzed with PLS-SEM. The results show that financial literacy, perceived risk, and perceived ease of use have a significant impact on QRIS usage decisions. These findings highlight the need to improve financial literacy, reduce perceived risks, and improve system usability in order to increase QRIS usage among Generation Z.