Adopsi QRIS di Kalimantan: Analisis Empiris Berdasarkan Model UTAUT

Mohamad Rafii, Setio Ardy Nuswantoro, Muhammad Ulfi, Ahyar Junaedi, Ika Safitri Windiarti

Abstract


Dengan menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT), penelitian ini menganalisa bagaimana penerimaan dari teknologi Quick Response Indonesia Standard (QRIS) oleh pengguna pembayaran digital di Kalimantan. Untuk mengevaluasi hubungan antara konstruk utama, Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), dan Facilitating Conditions (FC), terhadap Behavioral Intentions (BH) dan Use Behavior (UB), studi ini menggunakan pendekatan kuantitatif Structural Equation Modeling (SEM). Sampel 418 orang yang dipilih untuk pengumpulan data dipilih melalui survei online yang dikirim melalui Google Forms. Confirmatory Factor Analysis (CFA) digunakan untuk memverifikasi validitas dan reliabilitas instrumen pengukuran. Jika Average Variance Extracted (AVE) melebihi 0,5 dan nilai Cronbach’s Alpha melebihi 0,7, instrumen tersebut menunjukkan reliabilitas yang kuat. Hasil penelitian menunjukkan bahwa seluruh struktur memiliki reliabilitas yang tinggi. Kemudian ditemukan bahwa setiap konstruk utama memuliki pengaruh, baik langsung ataupun tidak langsung terhadap BH dan UB pada penggunaan teknologi QRIS. Studi ini memberikan wawasan empiris tentang penerimaan teknologi di Indonesia dan memberikan implikasi bagi para pemangku kepentingan yang ingin meningkatkan adopsi dan penggunaan sistem pembayaran digital.


Keywords


pembayaran digital, adopsi teknologi, QRIS, SEM, dan UTAUT

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References


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DOI: http://dx.doi.org/10.31000/jt.v13i2.12238

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