Impact Technology Factors on Trust and Intent to Use QRIS

Authors

  • Kartika Indah Permanasari Business Administration Department, University of Brawijaya, Malang
  • Endang Siti Astuti Business Administration Department, University of Brawijaya, Malang
  • Kadarisman Hidayat Business Administration Department, University of Brawijaya, Malang
  • M. Kholid Mawardi Business Administration Department, University of Brawijaya, Malang

DOI:

https://doi.org/10.18502/kss.v10i13.18963

Keywords:

QRIS, security, TAM, trust

Abstract

Electronic payment systems have become an important part of modern life, driven by rapid advancements in digital technology. One such innovation is the QRIS (Quick Response Code Indonesian Standard) payment system, developed by Bank Indonesia to simplify and unify various electronic payment services. This study explores the influence of key technological factors in users’ intentions to adopt QRIS, with trust acting as a mediating variable. Using the Technology Acceptance Model (TAM), the research investigates how perceived ease of use, perceived usefulness, and security/privacy affect users’ willingness to adopt QRIS. Trust identified as a critical link between these technological factors and adoption intention. The study aims develop a conceptual framework that highlights trust as a mediator in QRIS adoption. This article provides insights into user experiences, prior studies on QRIS technology, and the implications of its adoption. The findings are intended to help both current and prospective users understand the benefits of QRIS, while emphasizing the importance of building trust to drive wider acceptance.

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Published

2025-06-25

How to Cite

Permanasari, K. I., Astuti, E. S., Hidayat, K., & Mawardi, M. K. (2025). Impact Technology Factors on Trust and Intent to Use QRIS. KnE Social Sciences, 10(13), 220–226. https://doi.org/10.18502/kss.v10i13.18963

Issue

Vol. 10 No. 13 (2025): Brawijaya International Conference on Business Administration, Taxation, and Tourism (BICBATT 2024)

Section

Articles

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Copyright (c) 2025 Kartika Indah Permanasari, Endang Siti Astuti, Kadarisman Hidayat, M. Kholid Mawardi

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