QRIS and the Future of Digital Payments: Factors Influencing Consumer Behavioral Intentions in Indonesia

Authors

  • Melly Susanti Universitas Bengkulu
  • Fitri Santi Universitas Bengkulu
  • Robinson Robinson Universitas Bengkulu

DOI:

https://doi.org/10.58812/wsbm.v3i02.1971

Keywords:

QRIS, technology adoption, behavioral intention, mobile payments, trust

Abstract

This study aims to identify the factors that influence consumer behavioral intention in adopting the Quick Response Indonesian Standard (QRIS) mobile payment system in Indonesia. Using a quantitative research design, data was collected through questionnaires distributed online to QRIS users. This study explores the influence of individual factors, alternatives, and behavioral intentions on QRIS adoption. The analysis results show that individual factors, such as personal knowledge and innovativeness, have a significant influence on consumers' behavioral intention to adopt QRIS. In addition, the attractiveness of other payment alternatives, such as cash and credit cards, also influence the adoption decision. Consumer behavioral intention is shown to be an important factor in the decision to use QRIS. This research contributes to enriching the literature on digital payment technology adoption and provides strategic recommendations to increase QRIS adoption in Indonesia, including through increasing consumer education, building trust, and strengthening the advantages of QRIS over other alternatives.

References

[1] R. Agarwal and J. Prasad, “A Conceptual and Operational Definition of Personal Innovativeness in the Domain of Information Technology,” Inf. Syst. Res., vol. 9, no. 2, pp. 204–215, 1998, doi: 10.1287/isre.9.2.204.

[2] E. Rogers, Diffusion of innovations. 5th ed. New Yor: Free Press, 2003.

[3] E. Rogers, Difusi inovasi ( 4th ed.). New York: Free Press, 1995.

[4] S. Gupta, H. Xu, and X. Zhang, “Balancing privacy concerns in the adoption of Location-Based Services: an empirical analysis,” Int. J. Electron. Bus., vol. 9, no. 1/2, p. 118, 2011, doi: 10.1504/ijeb.2011.040358.

[5] S. Yang, Y. Lu, S. Gupta, Y. Cao, and R. Zhang, “Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits,” Comput. Human Behav., vol. 28, no. 1, pp. 129–142, 2012, doi: 10.1016/j.chb.2011.08.019.

[6] D. Gefen, E. Karahanna, and D. W. Straub, “TRUST AND TAM IN ONLINE SHOPPING: AN INTEGRATED MODEL1 By:,” MIS Q., vol. 27, no. 1, pp. 51–90, 2003.

[7] D. H. McKnight, V. Choudhury, and C. Kacmar, “Developing And Validating Trust Measure for E-Commerce: An Integrative Typology. Informatin System Research.,” Inf. Syst. Res., vol. 13, no. 3, pp. 334–359, 2002.

[8] Y. Chou, C. Lee, and J. Chung, “Understanding m-commerce payment systems through the analytic hierarchy process,” J. Bus. Res., vol. 57, no. 12 SPEC.ISS., pp. 1423–1430, 2004, doi: 10.1016/S0148-2963(02)00432-0.

[9] S. G. Dewan and L. Chen, “Mobile Payment Adoption in the US: A Cross-industry, Crossplatform Solution,” J. Inf. Priv. Secur., vol. 1, no. 2, pp. 4–28, 2005, doi: 10.1080/15536548.2005.10855765.

[10] J. C. Roca, J. J. García, and J. J. de la Vega, “The importance of perceived trust, security and privacy in online trading systems,” Inf. Manag. Comput. Secur., vol. 17, no. 2, pp. 96–113, 2008, doi: 10.1108/09685220910963983.

[11] C. L. Corritore, B. Kracher, and S. Wiedenbeck, “On-line trust: Concepts, evolving themes, a model,” Int. J. Hum. Comput. Stud., vol. 58, no. 6, pp. 737–758, 2003, doi: 10.1016/S1071-5819(03)00041-7.

[12] E. T. Lwoga and N. B. Lwoga, “User acceptance of mobile payment: The effects of user-centric security, system characteristics and gender,” Electron. J. Inf. Syst. Dev. Ctries., vol. 81, no. 1, pp. 1–24, 2017, doi: 10.1002/j.1681-4835.2017.tb00595.x.

[13] S. Y. Rieh, “On the Web at home: Information seeking and Web searching in the home environment,” J. Am. Soc. Inf. Sci. Technol., vol. 55, no. 8, pp. 743–753, 2004, doi: 10.1002/asi.20018.

[14] C. Kim, M. Mirusmonov, and I. Lee, “An empirical examination of factors influencing the intention to use mobile payment,” Comput. Human Behav., vol. 26, no. 3, pp. 310–322, 2010, doi: 10.1016/j.chb.2009.10.013.

[15] V. Venkatesh, J. Y. T. L., and X. Xu, “Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Information Technology,” MS Q., vol. 36, no. 3, pp. 157–178, 2012, doi: 10.1109/MWSYM.2015.7167037.

Downloads

Published

2025-06-30

Issue

Vol. 3 No. 02 (2025): West Science Business and Management

Section

Articles

License

Copyright (c) 2025 Melly Susanti, Fitri Santi, Robinson Robinson

Creative Commons License

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

How to Cite

QRIS and the Future of Digital Payments: Factors Influencing Consumer Behavioral Intentions in Indonesia (M. Susanti, F. . Santi, & R. . Robinson , Trans.). (2025). West Science Business and Management, 3(02), 306-316. https://doi.org/10.58812/wsbm.v3i02.1971