Analysis of Factors Affecting Behavioral Intention to Use QRIS

QRIS strives to provide affordable payment options and promote financial inclusion for small and midsize businesses. Adopting the modified Unified Theory of Acceptance and Use of Technology (UTAUT), this research analyzed the factors influencing customers’ behavioral intention to utilize QRIS within financial applications and aim to identify the factors within variable that has influence behavioural intention for adopting the QRIS payment method. Data collected from 491 respondents in Indonesia who have used QRIS was processed using SmartPLS 4 with PLS-SEM to examine the relationships between variables that were used to analyze factors influencing customers’ behavioral intention toward QRIS. The findings showed that performance expectancy, effort expectancy, and personal innovativeness positively affect attitude towards QRIS. In addition, behavioral intention is also affected by social influence, habit, personal innovativeness, and attitude. The result of this research also provides better understanding and valuable insights for developing strategies to increase QRIS adoption in promoting the cashless society in Indonesia.