DETERMINAN KEPUTUSAN PENGGUNA DENGAN MEDIASI VARIABEL KEPERCAYAAN: STUDI KASUS PENGGUNA QRIS DI KOTA BOGOR

Ashur Harmadi, Guyub Nuryanto

Abstract


The public chooses digital services based on factors considered when selecting a digital payment system. Due to the convenience offered, transaction services using the Quick Response Code Indonesian Standard (QRIS) method have become increasingly popular. This study aims to analyze and identify the determinants of the decision to use QRIS, mediated by the trust variable among QRIS users in Bogor City. The analytical method used is primary data described from quantitative data obtained through online questionnaire distribution. This study employs a quantitative research approach with purposive sampling. Based on the predetermined criteria, 125 respondents were obtained, and data analysis was conducted using SmartPLS 4.0 software. The study's findings are as follows: Perceived ease of use influences the decision to use QRIS. Perceived usefulness influences the decision to use QRIS. Perceived ease of use does not influence trust. Perceived usefulness influences trust. Trust influences the decision to use QRIS. Perceived ease of use does not influence the decision to use QRIS through trust. Perceived usefulness influences the decision to use QRIS through trust. The variable with the strongest influence on the decision to use QRIS is perceived ease of use.

Keywords


Determinants, Perceived Ease of Use, Perceived Usefulness, Trust, Decision to Use

Full Text:

PDF

References


Bank Indonesia, (2019). “Blueprint Sistem Pembayaran Indonesia 2025: Menavigasi Sistem Pembayaran Nasional di Era Digital”. Jakarta: Bank Indonesia.

(https://www.bi.go.id/id/publikasi/kajian/Documents/Blueprint-Sistem-Pembayaran-Indonesia-2025.pdf)

Bukri. (2023). Analisis Pengaruh E-Security dan Persepsi Manfaat terhadap Keputusan Konsumen Menggunakan E-Money Berbasis QRIS yang Dimediasi Oleh Kepercayaan (Studi Pada Pengguna Milenial di kota Pontianak), Jurnal Mahasiswa Manajemen Vol 12, No 1 (2023)

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008

Ghozali, Imam & Hengky Latan. (2015). Konsep, Teknik, Aplikasi Menggunakan Smart PLS 3.0 Untuk Penelitian Empiris. BP Undip. Semarang

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

Jogiyanto, H. M. (2019). Sistem Informasi Keperilakuan. Yogyakarta: Erlangga.

Kotler, P. & Armstrong, G. (2018). Principles of marketing (17th ed.). New Jersey: Pearson Prentince Hall.

Kotler, P., & Keller, K. L. (2016).Marketing Management 15th, Global Edition. Pearson Education Limited.

Musyaffa, H, A. (2024). Pengaruh Persepsi Manfaat dan Kemudahan Terhadap Keputusan Penggunaan "QRIS" Dengan Kepercayaan Sebagai Variabel Mediasi (Studi Pada Konsumen Mirota Kapus Godean). Tesis, Universitas Muhammadiyah Yogyakarta.

Mulyati, O , D. (2023). Pengaruh Persepsi Manfaat, persepsi Kemudahan, dan Persepsi Resiko terhadap Minat Penggunaan Yang Dimediasi oleh Kepercayaan Layanan Transaksi Quick Response Code Indonesian Standard, (QRIS) Pada UMKM di Jawa. Tesis STIE YKPN Yogyakarta

Maf’ula, E. R., Pebrianggara, A., & Yulianto, M. R. (2024). The Effectiveness Of Perceived Usefulness, Perceived Ease Of Use, And Facilitating Conditions On Purchase Decision. Management Studies and Entrepreneurship Journal, 5(2), 4023–4037.http://journal.yrpipku.com/index.php/msej

Pratama, A. B., & Suputra, I. D. G. D. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Tingkat Kepercayaan Pada Minat Menggunakan Uang Elektronik. E-Jurnal Akuntansi, 27, 927. https://doi.org/10.24843/eja.2019.v27.i02.p04

Putri, P. A., Taufiqurrahman, & Noviasari, H. (2024). Pengaruh Persepsi Manfaat dan Persepsi Kemudahan Penggunaan Melalui Kepercayaan Terhadap Keputusan Penggunaan QRIS Pada Mahasiswa Generasi Z di Kota Pekanbaru. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 9(2), 296–316.

Putri, P. A., Taufiqurrahman, & Noviasari, H. (2024). Pengaruh Persepsi Manfaat dan Persepsi Kemudahan Penggunaan Melalui Kepercayaan Terhadap Keputusan Penggunaan QRIS Pada Mahasiswa Generasi Z di Kota Pekanbaru. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 9(2), 296–316.

Rahmawati, A. N., & Murtanto. (2023). Pengaruh Persepsi Manfaat Dan Persepsi Kemudahan Penggunaan Uang Elektronik (Qris) Pada Mahasiswa Akuntansi. Jurnal Ekonomi Trisakti, 3(1), 1247–1256. https://doi.org/10.25105/jet.v3i1.16032

Rismalia, R., & Sugiyanto, S. (2022). Pengaruh Persepsi Kemudahan, Persepsi Manfaat Dan Kepercayaan Terhadap Keputusan Penggunaan Uang Elektronik Dengan Sikap Sebagai Variabel Intervening Pada Pengguna Dana Di Universitas Esa Unggul. SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi Dan Akuntansi, 1(3), 561–588.https://doi.org/10.54443/sinomika.v1i3.309

Rosana, Julia. (2023). Pengaruh Kepercayaan, Persepsi Manfaat dan Persepsi Kemudahan Terhadap Keputusan Pembelian Ovo. Skripsi Universita Medan Area Tahun 2023. https://repositori.uma.ac.id/handle/123456789/21425

Rusminah, H. S., Hilmiati, H., & Ilhamudin, M. (2024). Analisis Perceived Risk dan Trust Terhadap Keputusan Penggunaan Quick Response Indonesia Standar (QRIS). JURNAL SOSIAL EKONOMI DAN HUMANIORA, 10(4), 717-724.

Sawitri, N. L. P. W., & Giantari, I. G. A. K. (2020). The Role of Trust Mediates the Effect of Perceived Ease of Use and Perceived Usefulness on Online Repurchase Intention. American Journal of Humanities and Social Sciences Research, 4(1), 374–381.www.ajhssr.com

Schermelleh-Engel, K., Moosbrugger, H., & Müller, H. (2003).

Evaluating The Fit of Structural Equation Models: Tests of Significance and Descriptive Goodness-of-Fit Measures. MPR-Online, 8(May 2003), 23–74.

Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta, CV.

Supriyatna, W., & Zakaria. (2024). Pengaruh Persepsi Risiko , Persepsi Kemudahaan , dan Persepsi Manfaat terhadap Minat Beli di E-Commerce Tokopedia di Tangerang Selatan. ARASTIRMA Universitas Pamulang, 4(2), 495–508.

Syabila, N. A., & Khasanah, I. (2023). Analisis Pengaruh Persepsi Kemudahan Penggunaan, Manfaat, Dan Risiko Terhadap Minat Berkelanjutan Dengan Kepercayaan Sebagai Variabel. Diponegoro Journal of Management, 12, 1–15.

Wahyuni, R. C., & Waloejo, H. D. (2020). Pengaruh Kualitas Pelayanan, Harga, Dan Citra Perusahaan Terhadap Keputusan Penggunaan Jasa Pt Pos Indonesia (Persero) Kantor Pos Semarang. Jurnal Ilmu Administrasi Bisnis, 9(1), 349–356.https://doi.org/10.14710/jiab.2020.26438

Yudiantara, P. O., & Widagda, I. G. N. J. A. (2022). The Role of Trust in Mediating The Effect of Perceived Usefulness and Perceived Ease of Use on Decisions to Use The LinkAja Digital Wallet: Study on LinkAja Application Users in Denpasar City. International Journal of Health Sciences, 6(July), 6310–6327. https://doi.org/10.53730/ijhs.v6ns4.11176.




DOI: https://doi.org/10.31932/jpe.v10i1.4059

Article Metrics

Abstract view : 427 times
PDF - 122 times

Refbacks

  • There are currently no refbacks.


Lisensi Creative Commons
This work is licensed under Lisensi Internasional Creative Commons Attribution-ShareAlike 4.0 .