Analysis Of Factors Affecting The Use Of Qris As A Digital Payment Tool Among University Student In Subang Regency
Abstract
The rapid development of digital technology has transformed payment systems, particularly through the adoption of the Indonesian Standard Quick Response Code (QRIS). This study seeks to examine the factors that influence students’ decisions to use QRIS as a digital payment method at universities in Subang Regency. The research focuses on four main variables: perceived ease of use, perceived usefulness, trust, and perceived risk.
Using a quantitative approach, data were gathered from 140 student users of QRIS through questionnaires. The analysis was carried out with multiple linear regression, supported by validity, reliability, normality, multicollinearity, and heteroscedasticity tests using SPSS version 25. The findings reveal that perceived ease of use, perceived usefulness, trust, and perceived risk each exert a positive and significant effect on students’ decisions to use QRIS. These results suggest that enhancing ease of use, usefulness, trust, and risk management can promote wider adoption of QRIS among students. Overall, the study contributes valuable insights for developing strategies to encourage and expand the utilization of QRIS as a digital payment solution in higher education contexts.
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Program Studi Akuntansi