Determinants of Intention to Use Qris Payment System for Metro Jabar Trans Service Users

Abstract

This study identifies the key factors influencing the intention to use QRIS (Quick Response Code Indonesian Standard) among Metro Jabar Trans users, guided by the Technology Acceptance Model (TAM). It specifically examines the impact of perceived usefulness, perceived ease of use, trust, and perceived risk on user adoption interest. The research employed a descriptive quantitative approach. Primary data were collected from 162 respondents using an accidental sampling method through the distribution of questionnaires. Subsequently, the data were analyzed using multiple linear regression to assess the influence of each variable on the intention to use QRIS. The findings reveal that trust and perceived usefulness are the most dominant factors driving the intention to use QRIS. This is attributed to users’ perception that QRIS offers both security and tangible benefits during transactions. Consequently, the study suggests that convenience alone does not automatically increase interest in digital payment systems, and risk-related factors did not emerge as primary drivers in this context. While several variables demonstrated a significant influence, the study has notable limitations. These include its narrow scope, focusing solely on one transportation service, and the limited number of independent variables examined. Therefore, future research could expand upon these findings by employing a broader scope and incorporating a more diverse set of variables to develop a more comprehensive understanding of QRIS adoption on public transport.