Pengaruh Kemudahan, Manfaat, Keamanan Terhadap Keputusan Penggunaan QRIS BSI Mobile

Abstract

Digital technological developments have advanced in almost every area of life, including travel, purchasing, donations, tourism, and other digital-based economic activities. As part of the expansion of the payment system, Bank Indonesia introduced the Quick Response Code Indonesian Standard (QRIS). To facilitate the transaction process, QRIS combines several QR codes from different payment system service providers. This research aims to see how the exogenous variables of convenience, benefits and security influence the endogenous variables of the decision to use Qris Bsi Mobile. This type of research is descriptive quantitative with a SEM PLS approach. the application used by Smart Pls version 3.0. The sample data used was 100 respondents. The results show that the convenience variable has a positive but not significant effect on the decision to use Qris Bsi Mobile with a P-value of 0.329. Furthermore, the benefit and security variables have a positive and significant influence on the decision to use Qris Bsi Mobile with a P-value for the benefit variable of 0.001 and the security variable of 0.004. It is hoped that future researchers will use other variables that have a significant influence to improve the results of further research.