Analysis of the Acceptance of Quick Response Indonesian Standard (QRIS) as a Payment Method in South Kalimantan Using the Technology Readiness Acceptance Model (TRAM) and Perceived Risk

Virjean Pricillia; Dodie Tricahyono

doi:10.47134/aaem.v2i4.703

Authors

Virjean Pricillia Universitas Telkom
Dodie Tricahyono Universitas Telkom

DOI:

https://doi.org/10.47134/aaem.v2i4.703

Keywords:

QRIS, Technology Readiness, TAM, TRAM, Perceived Risk

Abstract

The study aims to determine and analyze the influence of Technology Readiness, Perceived Usefulness, Perceived Ease of Use, Perceived Risk and Attitude on Intention of Use and Actual System Use of QRIS use in South Kalimantan. This study framework is a combination of Technology Readiness (TR) and Technology Acceptance Model (TAM) that called Technology Readiness and Acceptance Model (TRAM) with Perceived Risk also included in this model to provide a robust integrated framework of QRIS acceptance. The data collected through by online questionnaires, which were analyzed using Structural Equation Modeling (SEM) and Partial Least Square (PLS) method. Data analysis of 400 respondents showed that Technology Readiness has a positive and significant effect on Perceived Usefulness, Perceived Ease of Use, and Intention to Use. Perceived Usefulness and Perceived Ease of Use have a positive and significant effect on Attitude. Perceived Risk has a negative and significant effect on Attitude and Intention to Use. Attitude has a positive and significant influence on Intention to Use. Intention to Use has a positive and significant influence on Actual System Use

References

Abdillah, W., & Jogiyanto. (2015). Partial Least Square (PLS): Alternatif Structural Equation Modeling (SEM) dalam Penelitian Bisnis. Yogyakarta: Andi Offset.

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T

Bank Indonesia. (2024). Laporan kelembagaan Bank Indonesia triwulan IV 2023. Bank Indonesia.

Banuwa, L. F., Bangsawan, S., & Roslina. (2023). E-wallet usage intention through technology acceptance model and technology readiness in Indonesia. Journal of Economics, Finance and Management Studies, 6(7), 3484–3494. https://doi.org/10.47191/jefms/v6-i7-55

Chen, L.-D., & Li, W. (2010). An empirical study of factors influencing intention to use mobile payment services in China. Proceedings of the 2010 International Conference on e-Business and e-Government, 1, 1–4.

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008

Faizani, S., & Indriyanti, A. (2021). Analisis pengaruh technology readiness terhadap perceived usefulness dan perceived ease of use terhadap behavioral intention dari Quick Response Indonesian Standard (QRIS) untuk pembayaran digital (Studi kasus: Pengguna aplikasi e-wallet Go-Pay, DANA, OVO). Jurnal Ekonomi, Informatika dan Bisnis (JEISBI), 2(2), 85–93.

Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human-Computer Studies, 59(4), 451–474. https://doi.org/10.1016/S1071-5819(03)00111-3

Ghozali, I. (2021). Aplikasi Analisis Multivariate dengan Program IBM SPSS 26 (Edisi 10). Semarang: Badan Penerbit Universitas Diponegoro.

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Sage Publications.

Hartono, J. (2008). Metodologi Penelitian Bisnis: Salah Kaprah dan Pengalaman-pengalaman. Yogyakarta: BPFE.

Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130–141. https://doi.org/10.1016/j.elerap.2008.11.006

Lin, H.-F., Shih, Y.-W., & Sher, P. J. (2007). Integrating technology readiness into the expectation-confirmation model: An empirical study of mobile services. CyberPsychology & Behavior, 10(5), 620–627. https://doi.org/10.1089/cpb.2007.9973

Luo, X., Li, H., Zhang, J., & Shim, J. P. (2010). Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decision Support Systems, 49(2), 222–234. https://doi.org/10.1016/j.dss.2010.02.008

Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13. https://doi.org/10.1016/j.ijinfomgt.2013.06.002

Moleong, L. J. (2014). Metodologi penelitian kualitatif (Edisi revisi). Bandung: Remaja Rosdakarya.

Morosan, C., & DeFranco, A. (2016). It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53, 17–29. https://doi.org/10.1016/j.ijhm.2015.11.003

Ningsih, H., Sasmita, E., & Sari, B. (2021). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Dan Persepsi Risiko Terhadap Keputusan Menggunakan Uang Elektronik (QRIS) Pada Mahasiswa. Jurnal IKRA-ITH Ekonomika, 4(1), 1–9.

Parasuraman, A. (2000). Technology readiness index (TRI): A multiple-item scale to measure readiness to embrace new technologies. Journal of Service Research, 307–320. https://doi.org/10.1177/109467050024001

Parasuraman, A., & Colby, C. (2015). An Updated and Streamlined Technology Readiness Index: TRI 2.0. Journal of Service Research, 18(1), 59–74.

Rachman, A. (2023, Desember 08). Volume QRIS Tembus 1.59 M Transaksi, 43.4 Juta Pengguna. Diambil kembali dari www.cnbcindonesia.com: https://www.cnbcindonesia.com/market/20231208174752-17-495767/volume-qris-tembus-159-m-transaksi-434-juta-pengguna

Salam, M. (2023). Inclusion of perceived risk with TAM in measuring attitude toward online banking. European Journal of Business and Management, 11(2), 68–75. https://doi.org/10.7176/EJBM/11-2-08

Sekaran, U., & Bougie, R. (2016). Research Methods For Business; A Skill-Building Approach. West Sussex: John Wiley & Sons Ltd.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412

Zainuddin, M. (2023, April 12). Pengguna QRIS harus waspada, ada 3 kejahatan dengan modus menggunakan QRIS. Suryamalang. https://suryamalang.tribunnews.com/2023/04/12/pengguna-qris-harus-waspada-ada-3-kejahatan-dengan-modus-menggunakan-qris

Zikmund, W. G., Babin, B. J., Carr, J. C., & Griffin, M. (2010). Business research methods (8th ed.). South-Western Cengage Learning.