Analisis Faktor-Faktor yang Mempengaruhi Niat Penggunaan Quick Response Code Indonesian Standard (QRIS) Pada Pelaku UMKM Kuliner di Kota Malang
Kata Kunci:
QRIS, UMKM, kuliner, niat penggunaanAbstrak
Meluasnya adopsi teknologi pembayaran digital, QRIS diharapkan dapat meningkatkan efisiensi transaksi dan inklusi keuangan nasional. Penelitian ini bertujuan untuk mengungkap faktor-faktor yang memengaruhi niat penggunaan Quick Response Code Indonesian Standard (QRIS) pada pelaku UMKM kuliner di Kota Malang, dengan fokus pada pengaruh social influence, compatibility, perceived usefulness, dan perceived ease of use. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi linier untuk menguji pengaruh variabel-variabel tersebut terhadap niat penggunaan QRIS. Data dikumpulkan melalui kuesioner dari 120 responden yang terdiri dari usaha mikro, kecil, dan menengah. Hasil penelitian menunjukkan bahwa compatibility memiliki pengaruh signifikan pada semua kategori usaha, sementara social influence, perceived usefulness, dan perceived ease of use menunjukkan pengaruh yang bervariasi. Secara keseluruhan, model penelitian ini mampu menjelaskan 59,6% dari variabilitas niat penggunaan QRIS. Temuan ini memberikan wawasan bagi pemangku kepentingan untuk meningkatkan adopsi QRIS dengan mempertimbangkan karakteristik masing-masing kategori UMKM serta memahami dinamika penerimaan teknologi di kalangan UMKM kuliner di Kota Malang.
Referensi
Bank Indonesia. (2023). Data Pengguna QRIS, Volume serta Nominal Transaksi di Indonesia. Bank Indonesia. [Permohonan Informasi 27 Februari 2024]
Davis, F. D. (1989). Perceived usefulness, Perceived ease of use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008.
Davis, F. D., & Venkatesh, V. (1996). A critical assessment of potential measurement biases in the technology acceptance model: Three experiments. International Journal of Human-Computer Studies, 45(1), 19–45. https://doi.org/10.1006/ijhc.1996.0040.
Dinas Komunikasi Dan Informatika Kota Malang. (2023). Statistik Sektoral Kota Malang Tahun 2023. Dinas Komunikasi Dan Informatika Kota Malang. [Online] Tersedia di: https://satudata.malangkota.go.id/publik/publikasi [Diakses 3 Maret 2024]
Gunawan, A., Fatikasari, A. F., & Putri, S. A. (2023). The Effect of Using Cashless (QRIS) on Daily Payment Transactions Using the Technology Acceptance Model. Procedia Computer Science, 227, 548–556. https://doi.org/10.1016/j.procs.2023.10.557.
Hsu, C.-L., & Lu, H.-P. (2004). Why do people play on-line games? An extended TAM with social influences and flow experience. Information & Management, 41(7), 853–868. https://doi.org/10.1016/j.im.2003.08.014.
Hubeis, M. A. (2024). Factors Influencing the Use of Mobile Payments Among Millennials in Indonesia.
Juliandi, A., Irfan, & Manurung, S. (2014). Metodologi Penelitian Bisnis: Konsep dan Aplikasi. Medan: UMSU Press.
Kamal, S. A., Shafiq, M., & Kakria, P. (2020). Investigating acceptance of telemedicine services through an extended technology acceptance model (TAM). Technology in Society, 60, 101212. https://doi.org/10.1016/j.techsoc.2019.101212
Khiong, K., Arijanto, R., Dewi, G., Mulyandi, R., Siagian, A., Wijoyo, H., Puswanto, A., & Fahmi, K. (2022). The Role of Compatibility, Perceived usefulness, Convenience Perception and Convenience Perception on Electronic Money (e- Wallet) Usage Interest. 6(5).
Mallat, N. (2007). Exploring consumer adoption of mobile payments – A qualitative study. The Journal of Strategic Information Systems, 16(4), 413–432. https://doi.org/10.1016/j.jsis.2007.08.001.
Moore, Gary C., Benbasat, Izak (1991). Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation. Information Systems Research, 2(3), 192–222. https://doi.org/10.1287/isre.2.3.192.
Musyaffi, A. M., Sari, D. A. P., & Respati, D. K. (2021). Understanding of Digital Payment Usage During COVID-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. The Journal of Asian Finance, Economics and Business, 8(6), 475–482. https://doi.org/10.13106/JAFEB.2021.VOL8.NO6.0475.
Sugiyono. (2013). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Türker, C., Altay, B. C., & Okumuş, A. (2022). Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM. Technological Forecasting and Social Change, 184, 121968. https://doi.org/10.1016/j.techfore.2022.121968.
Usman, O., Alianti, M., & Fadillah, F. N. (2024). Factors affecting the intention to use QRIS on MSME customers. International Journal of Applied Economics, Finance and Accounting, 18(1), 77–87. https://doi.org/10.33094/ijaefa.v18i1.1323.
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425.
Yuen, K. F., Cai, L., Qi, G., & Wang, X. (2021). Factors influencing autonomous vehicle adoption: An application of the technology acceptance model and innovation diffusion theory. Technology Analysis & Strategic Management, 33(5), 505–519. https://doi.org/10.1080/09537325.2020.1826423.
Bank Indonesia. (2023). Data Pengguna QRIS, Volume serta Nominal Transaksi di Indonesia. Bank Indonesia. [Permohonan Informasi 27 Februari 2024]
Davis, F. D. (1989). Perceived usefulness, Perceived ease of use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008.
Davis, F. D., & Venkatesh, V. (1996). A critical assessment of potential measurement biases in the technology acceptance model: Three experiments. International Journal of Human-Computer Studies, 45(1), 19–45. https://doi.org/10.1006/ijhc.1996.0040.
Dinas Komunikasi Dan Informatika Kota Malang. (2023). Statistik Sektoral Kota Malang Tahun 2023. Dinas Komunikasi Dan Informatika Kota Malang. [Online] Tersedia di: https://satudata.malangkota.go.id/publik/publikasi [Diakses 3 Maret 2024]
Gunawan, A., Fatikasari, A. F., & Putri, S. A. (2023). The Effect of Using Cashless (QRIS) on Daily Payment Transactions Using the Technology Acceptance Model. Procedia Computer Science, 227, 548–556. https://doi.org/10.1016/j.procs.2023.10.557.
Hsu, C.-L., & Lu, H.-P. (2004). Why do people play on-line games? An extended TAM with social influences and flow experience. Information & Management, 41(7), 853–868. https://doi.org/10.1016/j.im.2003.08.014.
Hubeis, M. A. (2024). Factors Influencing the Use of Mobile Payments Among Millennials in Indonesia.
Juliandi, A., Irfan, & Manurung, S. (2014). Metodologi Penelitian Bisnis: Konsep dan Aplikasi. Medan: UMSU Press.
Kamal, S. A., Shafiq, M., & Kakria, P. (2020). Investigating acceptance of telemedicine services through an extended technology acceptance model (TAM). Technology in Society, 60, 101212. https://doi.org/10.1016/j.techsoc.2019.101212
Khiong, K., Arijanto, R., Dewi, G., Mulyandi, R., Siagian, A., Wijoyo, H., Puswanto, A., & Fahmi, K. (2022). The Role of Compatibility, Perceived usefulness, Convenience Perception and Convenience Perception on Electronic Money (e- Wallet) Usage Interest. 6(5).
Mallat, N. (2007). Exploring consumer adoption of mobile payments – A qualitative study. The Journal of Strategic Information Systems, 16(4), 413–432. https://doi.org/10.1016/j.jsis.2007.08.001.
Moore, Gary C., Benbasat, Izak (1991). Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation. Information Systems Research, 2(3), 192–222. https://doi.org/10.1287/isre.2.3.192.
Musyaffi, A. M., Sari, D. A. P., & Respati, D. K. (2021). Understanding of Digital Payment Usage During COVID-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. The Journal of Asian Finance, Economics and Business, 8(6), 475–482. https://doi.org/10.13106/JAFEB.2021.VOL8.NO6.0475.
Sugiyono. (2013). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Türker, C., Altay, B. C., & Okumuş, A. (2022). Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM. Technological Forecasting and Social Change, 184, 121968. https://doi.org/10.1016/j.techfore.2022.121968.
Usman, O., Alianti, M., & Fadillah, F. N. (2024). Factors affecting the intention to use QRIS on MSME customers. International Journal of Applied Economics, Finance and Accounting, 18(1), 77–87. https://doi.org/10.33094/ijaefa.v18i1.1323.
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425.
Yuen, K. F., Cai, L., Qi, G., & Wang, X. (2021). Factors influencing autonomous vehicle adoption: An application of the technology acceptance model and innovation diffusion theory. Technology Analysis & Strategic Management, 33(5), 505–519. https://doi.org/10.1080/09537325.2020.1826423.
Unduhan
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
Hak Cipta (c) 2024 Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer
Artikel ini berlisensiCreative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
