The Influence Of Perceived Ease Of Use And Perceived Usefulness On The Decision To Use Of Qris As A Digital Payment In Generation Z In The City Of Bandung

Abstrak

Abstract : The investigation in this study pertains to analyzing the impact of perceived ease of utilization and perceived utility on the decision-making process concerning the adoption of Quick Response Code Indonesian Standard (QRIS) as a digital payment mechanism among Generation Z residing in Bandung City.

In economic transactions, currency, whether in physical or metal form, holds a significant function. Nonetheless, the advancement of financial technology (fintech) has prompted a transition from traditional cash transactions to digital payment methods.

Objective : QRIS, a standardized QR code in Indonesia, has been introduced to streamline digital payments in the country. The primary aim of this research is to scrutinize the influence of perceived ease of use and perceived usefulness on the adoption of QRIS as a digital payment tool by Generation Z individuals in Bandung City.

Methodology : Employing a quantitative methodology with a descriptive approach, data has been gathered through questionnaires distributed to QRIS users from Generation Z residing in Bandung City.

Research results : Analysis of the findings reveals a positive and noteworthy impact of perceived ease of use and perceived usefulness on the decision to utilize QRIS.

The efficiency and convenience offered by QRIS have made it a favored choice among Generation Z , who prioritize convenience and advantages in financial transactions. These outcomes underscore the significance of perceived convenience and benefits in shaping the decision to embrace digital payment technologies. Currency plays a pivotal role in all economic endeavors, serving as the recognized medium of exchange globally. In the economic sphere, money not only serves as a means of exchange for trading goods and services but also aids in determining the value of these commodities. Every economic transaction, whether it involves purchasing, vending, investing, or expenditure, necessitates the involvement of money as the primary instrument.