Perbandingan Efektivitas QRIS dengan Metode Pembayaran Non-Tunai Lain dalam Mendorong Ekonomi Digital
DOI:
https://doi.org/10.61132/prosemnasproit.v2i2.120Keywords:
Pembayaran Non-Tunia, Kemudahan Penggunaan, Keamanan Transakasi, Perilaku Digital, Efektivitas PembayaranAbstract
This study aims to compare the effectiveness of QRIS with other cashless payment methods in driving the development of the digital economy in Indonesia. The background to this study stems from the increasing use of digital transactions and the strategic role of QRIS as a national standard for QR-based payments. Google Forms was used to disseminate the survey online and successfully collected 100 respondents who were users of cashless digital payment services. A purposive sampling technique was used to ensure that respondents had experience using QRIS and other digital payment methods. Data were examined using the SmartPLS 4 program using a Partial Least Squares Structural Equation Modeling (PLS-SEM) approach to test the relationships between variables. The results indicate that perceived ease of use, transaction security, and influence on digital behavior have a positive or significant influence on QRIS effectiveness. However, availability and accessibility variables did not have a significant effect. This finding indicates that QRIS effectiveness is more influenced by user experience and perceptions, rather than availability or ease of access. This research is expected to contribute to the development of strategies to increase digital payment adoption in Indonesia.
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