DETERMINANTS OF FACTORS AFFECTING THE USE OF E-PAYMENT (QRIS) IN MSMES IN MALANG CITY
Abstract
This research aims to determine and analyze the influence of perceived usefulness, perceived ease of use, perceived risk, and trust on behavioral intention to use, and behavioral intention to use on actual system use in MSMEs in Malang City. The population in this research is MSMEs that use e-payment in the form of QRIS in Malang City. This research uses quantitative methods with a descriptive approach. In this research, researchers used Partial Least Square (PLS) or SmartPLS software, which is run using computer media. The sample from this research was 110 respondents. Data collection was carried out by distributing questionnaires in the form of a Google form. The results of this research show that the variables perceived usefulness, perceived ease of use, and perceived risk do not have a positive influence on behavioral intention to use, while the variable trust has a significant influence on behavioral intention to use, and the variable behavioral intention to use has a significant influence. significant to actual system use
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Purboyo, Lamsah, & Vitria Aida. (2020). Adopsi Technology Acceptance Model (TAM) Terhadap Perilaku Minat Generasi Milenial Dalam Berinvestasi Di Pasar Modal.
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Sandy, M. A. (2020). Implementasi E-Payment Qris Pada Sistem Informasi Pembayaran Biaya Pendidikan Di Smp Islam Terpadu Insan Mandiri Sukabumi.
Shin, D.-H. (2010). Modeling the Interaction of Users and Mobile Payment System: Conceptual Framework. International Journal of Human-Computer Interaction, 26(10), 917–940. https://doi.org/10.1080/10447318.2010.502098
Sinurat, E. M., & Sugiyanto, L. B. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use dan Promosi Penjualan melalui Mediasi Attitude Toward Using dan Perceived Security terhadap Behavioral Intention to Use (Studi Empiris: Pengguna Mobile Wallet di Jakarta). Business Management Journal, 18(1), 17. https://doi.org/10.30813/bmj.v18i1.2820
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Amaral Souza, L., Pereira Batista Munay da Silva, M. J., & Morais Vieira Ferreira, T. A. (2017). A aceitação da tecnologia da informação pela área contábil. Sistemas & Gestão, 12(4), 516–524. https://doi.org/10.20985/1980-5160.2017.v12n4.1239
Ansori, M. (2019). Perkembangan dan Dampak FinancialTechnology (FINTECH) Terhadap IndustriKeuangan Syariah Di Jawa Tengah. Wahana Islamika: Jurnal Studi Keislaman.
Bank Indonesia. (2020). QR Code Indonesian Standard (QRIS).
Bank Indonesia. (2023). Atas Kontribusinya Akselerasi Digitalisasi Di Masyarakat, Qris Raih Penghargaan Internasional Siaran Pers. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2521123.aspx
Binus University School of Information System. (2016). Penggunaan TAM ( Technology Acceptance Model ) Untuk Keperluan Kepenelitian. BINUS UNIVERSITY School of Information System. https://sis.binus.ac.id/2016/12/13/penggunaan-tam-technology-acceptance-model-untuk-keperluan-penelitian/
Davis, F. (1987). User Acceptance Of Information System The Technology Acceptance Model.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 8(2), 99–113. https://doi.org/10.1287/mnsc.35.8.982
Dr. Dimitri Mahayana. (2023). Fenomena QRIS, Digital Payment Dikuasai Pemain Nasional. https://money.kompas.com/read/2023/01/06/113600226/fenomena-qris-digital-payment-dikuasai-pemain-nasional.
Febbyola, R., Mardani, R. M., & Ramadhan, T. S. (2023). Analisa Perceived Ease Of Use Dan Perceived Enjoyment Terhadap Behavior Intention Pada Digital Payment.
Febrian, W. N., & Keni, K. (2022). Variabel yang Memprediksi Intention to Use Brand E-Payment di Jakarta. Jurnal Manajerial Dan Kewirausahaan, 4(1), 263. https://doi.org/10.24912/jmk.v4i1.17200
Gefen, Karahanna, & Straub. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51. https://doi.org/10.2307/30036519
Ghozali, I., & Latan, H. (2015). Partial least squares konsep, teknik dan aplikasi menggunakan program smartpls 3.0 untuk penelitian empiris. Semarang : Badan Penerbit Universitas Diponegoro., 2015.
Hendro, H., & Keni, K. (2020). eWOM dan Trust sebagai Prediktor terhadap Purchase Intention: Brand Image sebagai Variabel Mediasi. Jurnal Komunikasi, 12(2), 298. https://doi.org/10.24912/jk.v12i2.7760
Herdioko, J., Kadek, N., & Damayanti, D. (2023). Analisis Motivasi Penggunaan Dompet Digital OVO Pada Masyarakat Di Daerah Istimewa Yogyakarta. MODUS, 35(1), 133–153.
Jocelyn, E., Ganna Henryanto, A., Kunci, K., Terhadap Penggunaan, S., Perilaku untuk Menggunakan, N., Penerimaan Teknologi, M., Kegunaan, P., & Kemudahan Penggunaan, P. (2022). Behavioral Of Using Gopay As An Alternative Payment Method.
Kamalul Ariffin, S., Mohan, T., & Goh, Y.-N. (2018). Influence of consumers’ perceived risk on consumers’ online purchase intention. Journal of Research in Interactive Marketing, 12(3), 309–327. https://doi.org/10.1108/JRIM-11-2017-0100
Lubis, R., Roro, R., Permesti, C. M., Leonardo, E., & Sari, E. N. (2023). The Influence of Financial Technology and E-commerce on the Success of MSMEs: Literature Review.
Lui, H. K., & Jamieson, R. (2003). Integrating Trust and Risk Perceptions in Business-to-Consumer Electronic Commerce with the Technology Acceptance Model.
M, N., & Warningsih, S. (2021). Determining Factor of Digital Wallet Usage.
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. The Academy of
Management Review, 20(3), 709. https://doi.org/10.2307/258792
Muhtarom, Z. A. (2022). Pengaruh Financial Technology (Fintech) Terhadap Literasi Keuangan Pada Pelaku UMKM Di Kota Mataram (Vol. 2).
Nisa, U. K., & Solekah, N. A. (2022). The Influence of TAM, Social influence, Security Relationship toward Intention to Use E Wallet through Attitude and Trust. IQTISHODUNA, 18(1), 35–50. https://doi.org/10.18860/iq.v18i1.12916
Permatasari, D., & Putri Aprilianti, A. (2023). Proceeding ICONIES Faculty Of Economics Uin Maulana Malik Ibrahim Malang The Use Of Accounting Information: What Are Things That Influence It?
Prasetyo, A., & Wardhani, A. M. N. (2022). Analisis Pengaruh Perceived Risk dan Trust terhadap Pengujian Behavioral Intention Mahasiswa Pengguna GoPay. EXERO : Journal of Research in Business and Economics, 5(1), 36–63. https://doi.org/10.24071/exero.v5i1.5038
Pratama, D., Samri, Y., & Nasution, J. (2023). The Effect Of Understanding Of Financial Literacy And Ease Of Digital Payment On The Continuity Of MSMES In The Digitalization Era. In Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) (Vol. 6, Issue 2).
Purboyo, Lamsah, & Vitria Aida. (2020). Adopsi Technology Acceptance Model (TAM) Terhadap Perilaku Minat Generasi Milenial Dalam Berinvestasi Di Pasar Modal.
Qomariah, T. (2022). Analisis Penerimaan Penguna Menggunakan MetodeTecnology Acceptance Model (TAM).
Sandy, M. A. (2020). Implementasi E-Payment Qris Pada Sistem Informasi Pembayaran Biaya Pendidikan Di Smp Islam Terpadu Insan Mandiri Sukabumi.
Shin, D.-H. (2010). Modeling the Interaction of Users and Mobile Payment System: Conceptual Framework. International Journal of Human-Computer Interaction, 26(10), 917–940. https://doi.org/10.1080/10447318.2010.502098
Sinurat, E. M., & Sugiyanto, L. B. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use dan Promosi Penjualan melalui Mediasi Attitude Toward Using dan Perceived Security terhadap Behavioral Intention to Use (Studi Empiris: Pengguna Mobile Wallet di Jakarta). Business Management Journal, 18(1), 17. https://doi.org/10.30813/bmj.v18i1.2820
Utami, M. K. (2021). Pengaruh Kepercayaan, Kegunaan, Keamanan Terhadap Minat Menggunakan Mobile Payment Linkaja Dengan Kemudahan Sebagai Variable Mediasi. Jurnal Ilmiah Manajemen Kesatuan, 9(2), 111–120. https://doi.org/10.37641/jimkes.v9i2.554
Ventre, I., & Kolbe, D. (2020). The Impact of Perceived Usefulness of Online Reviews, Trust and Perceived Risk on Online Purchase Intention in Emerging Markets: A Mexican Perspective. Journal of International Consumer Marketing, 32(4), 287–299. https://doi.org/10.1080/08961530.2020.1712293
Published
2024-09-26
How to Cite
ULHAQ, Rifqi Dhiya; PERMATASARI, Ditya.
DETERMINANTS OF FACTORS AFFECTING THE USE OF E-PAYMENT (QRIS) IN MSMES IN MALANG CITY.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 10, n. 1, p. 789-800, sep. 2024.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/2790>. Date accessed: 17 mar. 2026.
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Articles
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
