QRIS Among Students: Why Do University of Bengkulu Students Still Choose Non-Cash Transactions?

Abstract

This research employed a quantitative explanatory approach based on the Technology Acceptance Model (TAM). Primary data were collected through structured questionnaires distributed online to students of the Faculty of Economics and Business, Universitas Bengkulu. Respondents were selected using a simple random sampling technique. The collected data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS  to evaluate both the measurement and structural models. The empirical findings reveal that perceived ease of use and perceived efficiency have positive and statistically significant effects on students' intention to use QRIS. Students are more likely to adopt QRIS when they perceive the system as easy to operate, practical, and capable of improving transaction efficiency. In contrast, perceived risk does not have a significant influence on the intention to use QRIS, suggesting that concerns regarding transaction security and potential risks are not the primary determinants of QRIS adoption among the respondents. These findings indicate that functional benefits, particularly convenience and efficiency, play a more important role than perceived risk in shaping students' behavioral intention to use digital payment systems. The findings also offer practical implications for policymakers, financial institutions, and digital payment service providers in designing strategies that emphasize user-friendly features and operational efficiency to encourage broader adoption of QRIS among young consumers.