Pengaruh Pengetahuan, Akses Kemudahan Digital dan Resiko Terhadap Keputusan Penggunaan QRIS BSI
DOI:
https://doi.org/10.35896/5p60qn16Keywords:
Knowledge, Digital Accessibility, Perceived Risk, BSI QRIS, Generation Z.Abstract
This study aims to analyze the influence of knowledge, digital accessibility, and perceived risk on the decision to use Bank Syariah Indonesia (BSI) QRIS among Generation Z in Jambi City. The rapid development of digital payment technology has increased the use of Quick Response Code Indonesian Standard (QRIS) as a non-cash transaction method, especially among Generation Z, which is highly adaptive to digital technology. However, several challenges remain, including limited user understanding, ease of application access, and concerns regarding the security risks of digital transactions. This study employed a quantitative approach with an associative research design. The sampling technique used was purposive sampling, involving 100 Generation Z respondents in Jambi City who had used BSI QRIS. Data were collected through questionnaires using a Likert scale and analyzed using multiple linear regression with SPSS software. The results showed that knowledge and digital accessibility had a positive and significant effect on the decision to use BSI QRIS, while perceived risk had a negative and significant effect on the decision to use BSI QRIS. Digital accessibility was found to be the most dominant variable influencing QRIS usage decisions. Simultaneously, knowledge, digital accessibility, and perceived risk significantly influenced the decision to use BSI QRIS among Generation Z in Jambi City. This study is expected to serve as an evaluation material for Bank Syariah Indonesia in improving QRIS service quality, strengthening digital transaction security, and enhancing digital literacy among the public
References
Agustina, K. E., & Musmini, L. S. (2022). Pengaruh pengetahuan, kemudahan penggunaan, dan kredibilitas terhadap minat penggunaan QRIS. Jurnal Riset Akuntansi, 11(2), 150–162. https://doi.org/10.23887/jra.v11i2.49376
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2016). Consumer adoption of mobile banking in Jordan: Examining the role of usefulness, ease of use, perceived risk and self-efficacy. Journal of Enterprise Information Management, 29(1), 118–139. https://doi.org/10.1108/JEIM-04-2015-0035
Arikunto, S. (2021). Prosedur penelitian: Suatu pendekatan praktik. Rineka Cipta.
Asosiasi Sistem Pembayaran Indonesia. (2022). Statistik penggunaan QRIS di Indonesia. ASPI.
Bank Indonesia. (2014). Peraturan Bank Indonesia No. 16/8/PBI/2014 tentang perubahan atas Peraturan Bank Indonesia terkait uang elektronik. Bank Indonesia.
Bank Indonesia. (2020). QRIS: Quick Response Code Indonesian Standard. Bank Indonesia. https://www.bi.go.id
Bank Indonesia. (2023). Blueprint sistem pembayaran Indonesia 2025. Bank Indonesia. https://www.bi.go.id
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Ghozali, I. (2021). Aplikasi analisis multivariate dengan program IBM SPSS 26 (10th ed.). Badan Penerbit Universitas Diponegoro.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate data analysis (8th ed.). Cengage Learning.
Jihan, R. (2023). Pengaruh literasi keuangan syariah dan literasi digital terhadap keputusan bertransaksi menggunakan BSI Mobile sebagai digital payment (Skripsi, Politeknik Negeri Jakarta).
Kamil, R., & Laksmi. (2023). Generasi Z, pustakawan dan vita activa kepustakawanan. Jurnal Dokumentasi dan Informasi, 44(2), 1–12. https://ejournal.brin.go.id
Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.
Laudon, K. C., & Traver, C. G. (2021). E-commerce 2021: Business, technology, society (17th ed.). Pearson.
Mahendra, I. (2016). Penggunaan Technology Acceptance Model (TAM) dalam mengevaluasi penerimaan pengguna terhadap sistem informasi pada PT Ari Jakarta. Jurnal Sistem Informasi STMIK Antar Bangsa, 5(2), 183–195.
Nugroho, L., Hidayah, N., Ali, A. J., & Badawi, A. (2020). E-wallet and QR code payment adoption in Indonesia. Journal of Asian Finance, Economics and Business, 7(10), 939–947. https://doi.org/10.13106/jafeb.2020.vol7.no10.939
Populix. (2022). Laporan aplikasi mobile banking paling banyak digunakan masyarakat Indonesia. Populix Insight.
Pratama, A. B., & Supriyono, S. (2022). Pengaruh persepsi kemudahan dan persepsi manfaat terhadap keputusan penggunaan QRIS pada generasi muda. Jurnal Ekonomi dan Bisnis Digital, 1(2), 85–96.
Puspitasari, D., & Briliana, V. (2023). The effect of perceived usefulness, perceived ease of use, trust, and perceived risk on QRIS usage intention. Journal of Business and Management Review, 4(3), 210–223. https://doi.org/10.47153/jbmr43.5672023
Rahmawati, I., & Yuliana, E. (2021). Analisis faktor-faktor yang memengaruhi minat penggunaan pembayaran digital QRIS pada UMKM. Jurnal Manajemen dan Bisnis Indonesia, 8(1), 45–57.
Riskawati, & Mardhiyaturrositaningsih. (2023). The effect of perceived ease, risk and financial literacy on the use of QRIS as a digital payment in MSMEs. Al-Arbah, 7(1), 45–57.
Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press.
Schiffman, L. G., & Wisenblit, J. (2019). Consumer behavior (12th ed.). Pearson Education.
Sudirman, M. S. (2024). Pengaruh risiko dan kualitas layanan terhadap loyalitas nasabah pengguna BSI Mobile Banking. Equilibrium: Jurnal Ekonomi Manajemen Akuntansi, 2(1), 55–67. https://journal.uwks.ac.id
Sugiyono. (2022). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Turban, E., Pollard, C., & Wood, G. (2018). Information technology for management: On-demand strategies for performance, growth and sustainability (11th ed.). Wiley.
Utami, C. W. (2017). Manajemen ritel: Strategi dan implementasi operasional bisnis ritel modern di Indonesia (3rd ed.). Salemba Empat.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412
Widianti, T. (2023). Pengaruh kemudahan, literasi digital dan kepercayaan terhadap keputusan penggunaan Quick Response Code Indonesian Standard (QRIS) BSI Mobile Banking pada generasi milenial Purwokerto (Skripsi, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto).
Yusuf, M., & Isnalita. (2020). Analysis of factors affecting interest in using digital payment systems during the COVID-19 pandemic. Jurnal Keuangan dan Perbankan, 24(4), 487–501.
