FAKTOR YANG MEMPENGARUHI PENGGUNAAN QRIS PADA UMKM RETAIL DI KEBUMEN, JAWA TENGAH
DOI:
https://doi.org/10.47200/jcob.v10i1.3872Keywords:
Persepsi, Sikap, Penggunaan QRIS, UMKMAbstract
The development of digital payment systems has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt the Quick Response Code Indonesian Standard (QRIS) as an alternative non-cash payment method. However, QRIS usage among MSMEs is influenced by various factors related to technology acceptance. This study aims to analyze the effects of perceived cost, social influence, perceived ease of use, perceived usefulness, and attitude toward using on behavioral intention to use QRIS among retail MSMEs in Kebumen Regency, Central Java. This study employed a quantitative approach with a cross-sectional design. Data were collected through questionnaires from 183 retail MSME owners selected using purposive sampling and analyzed using multiple linear regression with SPSS. The results show that perceived cost, social influence, perceived ease of use, perceived usefulness, and attitude toward using have positive and significant partial effects on behavioral intention to use QRIS. Simultaneously, the five variables also have a significant effect. The model explains 60.6% of the variation in behavioral intention to use QRIS, indicating that these factors play an important role in encouraging QRIS usage among retail MSMEs.
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