Factors affecting the intention to use QRIS on MSME customers

Abstract

This study investigates the factors influencing the intention to use the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) customers in Indonesia. In this study, a quantitative approach was taken with the survey method using an online questionnaire that was distributed to 240 MSME customers. The collected data were analyzed using the Statistical Package for the Social Sciences (SPSS) and Structural Equation Modeling (SEM) using the Analysis of Moment Structures (AMOS) 24 to test their validity and reliability. The study results show that factors such as perceived benefits, knowledge, and perceived safety significantly affect customer confidence in using QRIS. However, perceived ease of use does not significantly affect trust. In addition, perceived usefulness, knowledge, and trust significantly influence the intention to use QRIS, while perceived ease of use and perceived safety have no significant effect. Based on these findings, increasing perceptions of benefits, knowledge, and trust is critical to encouraging the use of QRIS among MSME customers. Although ease of use and security do not directly affect usage intentions, ensuring an easy user experience and providing security guarantees for MSME customers are still essential. This study contributes to the literature by increasing understanding of the factors driving QRIS adoption in SMEs. These findings can assist in developing effective strategies to increase the use of QRIS and the growth of the MSME sector, emphasizing benefits and advantages, increasing customer knowledge, and building trust in security.