Perceptions of the Use of Quick Response Code Indonesian Standard (QRIS) for Payment and its Impact on Consumer Behavior
DOI:
https://doi.org/10.21609/jsi.v20i2.1416Keywords:
digital payments, mobile payments, qris, thematic analysis, user perceptionsAbstract
Currently the use of cash payments is starting to change to a simpler payment method to non-cash transactions, it is supported by digital payment technology that is developing very quickly. One of the payment methods that can be used through smartphones is using QR codes as a way of payment. Using a qualitative approach, this study aims to analyze the influence of usability, ease of use, and trust factors on consumer acceptance of QR and its impact on purchasing behavior through a qualitative approach. The results of this study will contribute to the development of digital payments, especially based on the resulting perceptions and their impact on purchasing behavior.
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References
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25. Zilnieks, V. (2020). Concept of a Regulatory Compliant Blockchain Based Instant Payment System. Limitations and Compromises. In G. J., R. A., & K. G. (Eds.), 2020 61st International Scientific Conference on Information Technology and Management Science of Riga Technical University, ITMS 2020 - Proceedings. Institute of Electrical and Electronics Engineers Inc. https://doi.org/10.1109/ITMS51158.2020.9259310
2. Dai, J., Miedema, J., Hernandez, S., Sutton-Lalani, A., & Moffatt, K. (2023). Cognitive Accessibility of Digital Payments: A Literature Review. ACM International Conference Proceeding Series, 116 – 121. https://doi.org/10.1145/3587281.3587294
3. Dananjayan, M. P., Gopakumar, S., & Narayanasamy, P. (2023). Money in the age of bits and bytes: Technology in reshaping finance. Journal of Information Technology Teaching Cases. https://doi.org/10.1177/20438869231178845
4. de Luna, I. R., Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2019). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146, 931–944. https://doi.org/10.1016/j.techfore.2018.09.018
5. De, P., Dey, K., Mankar, V., & Mukherjea, S. (2015). An Assessment of QR Code as a User Interface Enabler for Mobile Payment Apps on Smartphones. ACM International Conference Proceeding Series, 17-19-Dece, 81 – 84. https://doi.org/10.1145/2835966.2835977
6. Jannah, F. Z. (2023). Kejahatan Keuangan Dalam Pembayaran Digital. Bank Indonesia. https://www.bi.go.id/id/bi-institute/BI-Epsilon/Pages/Kejahatan-Keuangan-Dalam-Pembayaran-Digital.aspx
7. Khando, K., Islam, M. S., & Gao, S. (2023). The Emerging Technologies of Digital Payments and Associated Challenges: A Systematic Literature Review. Future Internet, 15(1). https://doi.org/10.3390/fi15010021
8. Klepek, M., & Bauerová, R. (2020). Why do Retail Customers Hesitate for Shopping Grocery Online? Technological and Economic Development of Economy, 26(6), 1444–1462. https://doi.org/https://doi.org/10.3846/tede.2020.13970
9. Liébana-Cabanillas, F., de Luna, I., & Montoro-Ríos, F. J. (2015). User behaviour in QR mobile payment system: the QR Payment Acceptance Model. Technology Analysis and Strategic Management, 27(9), 1031 – 1049. https://doi.org/10.1080/09537325.2015.1047757
10. Lutfi, A., Al-Okaily, M., Alshirah, M. H., Alshira’h, A. F., Abutaber, T. A., & Almarashdah, M. A. (2021). Digital financial inclusion sustainability in Jordanian context. Sustainability (Switzerland), 13(11). https://doi.org/10.3390/su13116312
11. Malinka, K., Hujňák, O., Hanáček, P., & Hellebrandt, Luk. (2022). E-Banking Security Study—10 Years Later. IEEE Access, 10, 16681–16699. https://doi.org/10.1109/ACCESS.2022.3149475
12. Mansour, H. (2022). How successful countries are in promoting digital transactions during COVID-19. Journal of Economic Studies, 49(3), 435 – 452. https://doi.org/10.1108/JES-10-2020-0489
13. Mbaidin, H. O., Alsmairat, M. A. K., & Al-Adaileh, R. (2023). Blockchain adoption for sustainable development in developing countries: Challenges and opportunities in the banking sector. International Journal of Information Management Data Insights, 3(2). https://doi.org/10.1016/j.jjimei.2023.100199
14. Miglionico, A. (2023). Digital payments system and market disruption. Law and Financial Markets Review, 0(0), 1–16. https://doi.org/10.1080/17521440.2023.2215481
15. Rafferty, N. E., & Fajar, A. N. (2022). Integrated QR Payment System (QRIS): Cashless Payment Solution in Developing Country from Merchant Perspective. Asia Pacific Journal of Information Systems, 32(3), 630 – 655. https://doi.org/10.14329/APJIS.2022.32.3.630
16. Rosmayanti. (2021). Tren Pembayaran Digital di Indonesia 2021: E-Wallet Tumbuh Pesat Hingga 400% Akibat Pandemi. Warta Ekonomi. https://wartaekonomi.co.id/read381496/tren-pembayaran-digital-di-indonesia-2021-e-wallet-tumbuh-pesat-hingga-400-akibat-pandemi
17. Simatele, M., & Mbedzi, E. (2021). Consumer payment choices, costs, and risks: Evidence from Zimbabwe. Cogent Economics \& Finance, 9(1), 1875564. https://doi.org/10.1080/23322039.2021.1875564
18. Sofwatunnisa, A. A., Kartawinata, B. R., Akbar, A., & Pradana, M. (2023). Quick Response Code As A Game-Changer of Indonesian Digital Transactions. WSEAS Transactions on Computer Research, 11, 479 – 485. https://doi.org/10.37394/232018.2023.11.43
19. Stefanelli, V., & Manta, F. (2023). Digital Financial Services and Open Banking Innovation: Are Banks Becoming “invisible”? Global Business Review. https://doi.org/10.1177/09721509231151491
20. Tenggino, D., & Mauritsius, T. (2022). EVALUATION OF FACTORS AFFECTING INTENTION TO USE QRIS PAYMENT TRANSACTION. ICIC Express Letters, 16(4), 343 – 349. https://doi.org/10.24507/icicel.16.04.343
21. Yamaoka, H. (2023). The Future of Central Banking. Accounting, Economics and Law: A Convivium, 13(2), 103 – 132. https://doi.org/10.1515/ael-2019-0003
22. Yi Hu Wu, L. B., & Chen, X. (2023). How does the development of fintech affect financial efficiency? Evidence from China. Economic Research-Ekonomska Istraživanja, 36(2), 2106278. https://doi.org/10.1080/1331677X.2022.2106278
23. Yunping Hao, B. Z., & Yin, H. (2023). Can digital finance drive urban–rural integration? Economic Research-Ekonomska Istraživanja, 36(2), 2169736. https://doi.org/10.1080/1331677X.2023.2169736
24. Zhong, Y., & Moon, H.-C. (2022). Investigating Customer Behavior of Using Contactless Payment in China: A Comparative Study of Facial Recognition Payment and Mobile QR-Code Payment. Sustainability (Switzerland), 14(12). https://doi.org/10.3390/su14127150
25. Zilnieks, V. (2020). Concept of a Regulatory Compliant Blockchain Based Instant Payment System. Limitations and Compromises. In G. J., R. A., & K. G. (Eds.), 2020 61st International Scientific Conference on Information Technology and Management Science of Riga Technical University, ITMS 2020 - Proceedings. Institute of Electrical and Electronics Engineers Inc. https://doi.org/10.1109/ITMS51158.2020.9259310
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Published
2024-10-11
How to Cite
Wirabuana, C., Marbanie, R., Sensuse, D. I., Sumirat Hidayat, D., & Purwaningsih, E. H. (2024). Perceptions of the Use of Quick Response Code Indonesian Standard (QRIS) for Payment and its Impact on Consumer Behavior. Jurnal Sistem Informasi, 20(2), 1–17. https://doi.org/10.21609/jsi.v20i2.1416
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