THE INFLUENCE OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, PERCEIVED SECURITY, AND PERCEIVED RISK ON THE INTEREST IN USING QRIS (CASE STUDY OF STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS AL-QUR’AN SCIENCE UNIVERSITY)

Abstract

This study was conducted with the aim of examining the extent to which perceived usefulness, perceived ease of use, perceived security, and perceived risk play a role in shaping the interest of students of the Faculty of Economics and Business at Sains Al-Qur’an University in using the QRIS payment system. This study applied a quantitative method. Data collection was carried out through a questionnaire instrument distributed to students of the Faculty of Economics and Business Al-Qur’an Science University as respondents. Sample determination was done using a probability sampling technique. Subsequently, the collected data were analyzed using multiple linear regression methods with SPSS. The findings of the study prove that perceived benefits and accessibility in use positively contribute to students' interest in utilizing QRIS. Conversely, perceptions related to security and risk aspects actually show a negative influence on the interest in using QRIS. The findings of this study indicate that the overall contribution of the variables examined reaches 59.1%, while the remaining 40.9% is influenced by other factors that have not been studied in this research, which can be the focus of future studies.