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Reply from Ms. Kristin Wulansari
2022.12.21 13:58:05
Thank u for the question Dr. Choirul Amin.
Based on the results of this study, it can be concluded that the QRIS
can create positive behavior from users as an application that can be
used to make payments on Micro, Small and Medium-sized Enterprises.
This is evident from the results of testing Hypotheses 1 to 8, there is a
significant positive effect of each relationship being tested. This means
that adoption QRIS will be created and shown by the behavior intention
and attitude of users. Attitude here is then built by a sense of perceived
usefulness and perceived ease of use. These variables are formed from
the trust that arises from the minds of QRIS users to make online
payment transactions.
When viewed from the composition of the object of this study, namely
MSMEs in the city of Samarinda, the range is 6 becouse not a few
MSME actors found that the use of QRIS must be supported by an
understanding of technology, meanwhile based on observations during
the research period, not a few business actors or customers from these
MSMEs do not understand technological advances so that it can still be
stopped that risks will still arise in using this QRIS. So it can be
concluded that trust through the TAM model can create actual use for
MSME actors to adoption QRIS in running their business.
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