Impact of perceived usefulness, ease of use, and privacy & security on QRIS adoption: mediating role of behavioral intention
Keywords:
Perceived Usefulness, Perceived Ease of Use, Privacy & Security, QRIS Use, Behavioral Intention
Abstract
This study aims to analyze the effect of Perceived Usefulness, Perceived Ease of Use, Privacy & Security on QRIS Use with Behavioral Intention as an Intervening Variable in State University Students in Padang City. The research focused on State University students residing in Padang City. A total of 190 respondents participated in the study, providing data via online questionnaires. Structural Equation Modeling (SEM) utilizing SmartPLS4 software was employed for data analysis. The findings revealed that: (1) Behavioral Intention significantly influences the utilization of QRIS among State University students in Padang City. (2) Perceived Usefulness significantly impacts the Behavioral Intention of State University students in Padang City. (3) Perceived Ease Of Use also significantly affects the Behavioral Intention of State University students in Padang City. (4) Additionally, Privacy & Security demonstrate a significant influence on the Behavioral Intention of State University students in Padang City.
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References
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Yi, M. Y., & Hwang, Y. (2003). Predicting the use of web-based information systems: Self-efficacy, enjoyment, learning goal orientation, and the technology acceptance model. International Journal of Human Computer Studies, 59(4), 431–449. https://doi.org/10.1016/S1071-5819(03)00114-9
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Ajzen, I. (2005). Attitudes, personality, and behavior. McGraw-hill education.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002
Barry, M., & Tahir Jan, M. (2018). Factors Influencing the Use of M-Commerce: an Extended Technology Acceptance Model Perspective. International Journal of Economics, Management and Accounting, 26(1), 157–183.
Cliquet, Gérard, Gonzalez, C., Huré, E., & Picot-Coupey, K. (2015). From Mobile Phone to Smartphone: What’s New About M-Shopping? Springer International Publishing.
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/10.5962/bhl.title.33621
Faqih, K. M. S., & Jaradat, M. I. R. M. (2015). Assessing the moderating effect of gender differences and individualism-collectivism at individual-level on the adoption of mobile commerce technology: TAM3 perspective. Journal of Retailing and Consumer Services, 22, 37–52. https://doi.org/10.1016/j.jretconser.2014.09.006
Fatmasari, D., & Wulandari, S. (2016). Analisis Faktor-faktor yang Mempengaruhi Minat Mahasiswa Dalam Penggunaan APMK. Jurnal Penelitian Hukum Ekonomi Syariah, 4(1), 93–103.
Fishbein, Martin, & Ajzen, I. (1977). Belief, attitude. Intention and Behavior: An Introduction to Theory and Research.
Ghozali, I., & Latan, H. (2012). Partial Least Square : Konsep, Teknik dan Aplikasi Smart PLS 2.0 M3. Badan Penerbit Universitas Diponegoro.
Gunawan, A., Farrah, A., & Fatikasari, F. (2023). The Effect of Using Cashless (QRIS) on Daily Payment Transactions Using the Technology Acceptance Model. Procedia Computer Science, 227, 548–556. https://doi.org/10.1016/j.procs.2023.10.557
Hair, J. F., Hult, G. T., Ringle, C. M., & Sarstedt, M. (2013). A Primer on Partial Least Squares Structural Equation Modelling (PLS-SEM). Sage.
Indriyani, D., & Sartika, S. H. (2022). Persepsi Generasi Z pada Penggunaan E-wallet selama Pandemi Covid-19. Jurnal Sekretari Dan Manajemen, 6(1), 68–74. http://ejournal.bsi.ac.id/ejurnal/index.php/widyacipta
Jogiyanto. (2007). Sistem informasi keperilakuan / Jogiyanto HM. In Contemporary Sociology, 6(2).
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3(2), 1–11. https://doi.org/10.37227/jibm-2020-2-21/
Milberg, S. J., Smith, H. J., & Burke, S. J. (2000). Information Privacy: Corporate Management and National Regulation. Organization Science, 11(1), 35–57. https://doi.org/10.1287/orsc.11.1.35.12567
Mohamed, Norshidah, & Ahmad, Ii. H. (2012). Information privacy concerns, antecedents and privacy measure use in social networking sites: Evidence from Malaysia. Computers in Human Behavior, 28(6), 2366–2375.
Nugroho, S. (2003). Perilaku Konsumen: Konsep dan Implikasi untuk Strategi dan Penelitian Pemasaran. Prenada Media.
Peter, J. ., & Olson, J. . (2018). Perilaku Konsumen & Strategi Pemasaran (4th ed.). Salemba Empat.
Sardana, V., & Singhania, S. (2018). Digital technology in the realm of banking: A review of literature. International Journal of Research in Finance and Management, 1(2), 28–32. https://doi.org/10.33545/26175754.2018.v1.i2a.12
Soodan, V., & Rana, A. (2020). Modeling customers’ intention to use e-wallet in a developing nation: Extending UTAUT2 with security, privacy and savings. Journal of Electronic Commerce in Organizations, 18(1), 89–114. https://doi.org/10.4018/JECO.2020010105
Sugiyono. (2017). Metodologi Penelitian Bisnis: Pendekatan Kuantitatif, Kualitatif dan R&D. Alfabeta.
Venkatesh, Viswanath, Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: toward a unified view. MIS quarterly.
Wibowo, A. (2006). Kajian tentang Perilaku Pengguna Sistem Informasi dengan Pendekatan Technology Acceptance Model (TAM). Universitas Budi Luhur.
Yi, M. Y., & Hwang, Y. (2003). Predicting the use of web-based information systems: Self-efficacy, enjoyment, learning goal orientation, and the technology acceptance model. International Journal of Human Computer Studies, 59(4), 431–449. https://doi.org/10.1016/S1071-5819(03)00114-9
Zhao, W., & Othman, M. N. (2011). Predicting and explaining complaint intention and behaviour of Malaysian consumers: An application of the planned behaviour theory. In Advances in International Marketing (Vol. 21). Emerald. https://doi.org/10.1108/S1474-7979(2011)0000021013
Published
2024-06-29
How to Cite
Kurnia, E., & Yolanda, M. (2024). Impact of perceived usefulness, ease of use, and privacy & security on QRIS adoption: mediating role of behavioral intention . Marketing Management Studies, 4(2), 157-169. https://doi.org/10.24036/mms.v4i2.504
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Articles
