The Influence of Perceived Ease of Use and Perceived Usefulness on Intention to Use QRIS in Palangka Raya with Trust as a Intervening Variable
Siti Nurul Nazwa (a) , Meitiana (b), Vivy Kristinae (c)

abc) Faculty Economics and Business, University of Palangka Raya

Abstract

QRIS, as a digital payment system introduced by Bank Indonesia, plays a crucial role in accelerating financial inclusion and technology adoption in the financial sector. This study aims to investigate the effect of Perceived Ease of Use and Perceived Usefulness on the Intention to Use QRIS and to investigate the mediating effect of Trust. A quantitative approach is used, employing Partial Least Squares (PLS) analysis to test the relationships among variables. The sample for this study, determined using the Lemeshow formula, consists of 98 respondents collected through an online survey from residents of Palangka Raya. From The research result obtaind that both of Perceived Ease of Use and Perceived Usefulness have a significant positive effect on Intention to Use QRIS. Additionally, Trust is found to significantly mediate the relationship between these variables and the intention to use. These results suggest that users perceptions of ease and usefulness enhance their trust in the system, which in turn strengthens their intention to use QRIS. Based on these findings, it is recommended that policymakers and QRIS providers focus on improving user experience and demonstrating the practical benefits of QRIS to further increase user adoption and trust.

Keywords: QRIS, Perceived Ease of Use, Perceived Usefulness, Trust, Intention to Use

Topic: Marketing management