THE INFLUENCE OF PERCEPTION OF SECURITY, EASE OF USE, AND HABIT ON QRIS USAGE DECISIONS

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Published: Sep 30, 2025
DOI: https://doi.org/10.51192/almubin.v8i2.1821
Keywords:
QRIS Adoption, Security Perception, Digital Payments QRIS Adoption, Security Perception, Digital Payments

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Risa
Universitas Tazkia Bogor
Aminah Nuriyah
Universitas Tazkia Bogor

Abstract

This study aims to examine the influence of the perception of security, ease of use, and habits on interest in using QRIS (Quick Response Code Indonesian Standard) in the younger generation in the Greater Jakarta area, Indonesia. QRIS is a digital payment method encouraged by Bank Indonesia to support the national non-cash movement. The research method used was quantitative with data collection through questionnaires distributed to 120 respondents aged 13 to 44 years. Data analysis was carried out using Structural Equation Modeling (SEM) with Partial Least Square (PLS) to test the relationship between variables. The results showed that the perception of security, ease of use, and habits had a significant effect on the interest in using QRIS. These findings provide practical implications for financial institutions and policymakers to increase the adoption of digital payments through improved security, convenience, and habit-building in younger generations. This research also contributes to the fintech literature and digital payment behavior in emerging markets

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How to Cite
Risa, & Nuriyah, A. (2025). THE INFLUENCE OF PERCEPTION OF SECURITY, EASE OF USE, AND HABIT ON QRIS USAGE DECISIONS. Al-Mubin: Islamic Scientific Journal, 8(2), 409-415. https://doi.org/10.51192/almubin.v8i2.1821
Issue
Vol. 8 No. 2 (2025): Al-Mubin; Islamic Scientific Journal
Section
Articles
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This work is licensed under a Creative Commons Attribution 4.0 International License.

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