The Effect of Digital Literacy and Trust with Security as an Intervening Variable on Transaction Decisions Using Quick Response Code Indonesian Standard (QRIS) on Students of the Faculty of Economics and Business Makassar State University
Keywords:
Digital Literacy, Trust, Security, Transaction Decision
Abstract
This study aims to analyze the effect of digital literacy and trust on transaction decisions using QRIS with security as an intervening variable for students of the Faculty of Economics and Business, Makassar State University. Using a quantitative approach and descriptive-verification method, data were collected from 134 respondents through questionnaires and analyzed using the Partial Least Square Structural Equation Model (PLS-SEM). The results showed that digital literacy and trust have a positive and significant effect on transaction decisions both directly and indirectly through security in students. Security is proven to mediate the influence of digital literacy and trust on transaction decisions. These findings confirm the importance of increasing digital literacy and a sense of security in strengthening the adoption of digital payment systems, especially QRIS, among university students.
References
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Van Deursen, A. J., Courtois, C., & van Dijk, J. A. (2014). Internet skills, sources of support, and benefiting from Internet use. ..International journal of human-computer interaction, 30(4), 278–290.
Al-okaily, M., Lutfi, A., Alsaad, A., Taamneh, A., & Alsyouf, A. (2020). Technology in Society The Determinants of Digital Payment Systems ’ Acceptance under Cultural Orientation Differences : The Case of Uncertainty Avoidance. Technology in Society, 63(August). https://doi.org/https://doi.org/10.1016/j.techsoc.2020.101367
Asyifa, NL, Rosini, I., & Nofryanti, N. (2024). Pengaruh Persistensi Laba dan Pertumbuhan Laba Terhadap Kualitas Laba dengan Corporate Governance Sebagai Variabel Moderasi. Ekonomi: Jurnal Ekonomi dan Bisnis , 8 (1), 491-496.
Buluati, R., Karundeng, D. R., & Suyanto, M. A. (2023). Pengaruh Kemudahan, Keamanan Dan Kepercayaan Bertransaksi Terhadap Minat Menggunakan QRIS (Quick Response Indonesian Standard) Pada Pelaku UMKM Di Kabupaten Boalemo. Wahana: Tridarma Perguruan Tinggi, 75(2), 33-47.
Chen, L., Jia, J., Xiao, M., Wu, C., & Zhang, L. (2024). A study on the influence of digital literacy on elderly user’s intention to identify social media false information. The Electronic Library, 42(5), 701–721.
Darmawan, R. S., & Fauzi, A. (2020). Implementasi Akad Ijarah Pada Pembiayaan Pendidikan di KSSU Harum Dhaha Kediri. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 2(1), 51-65.
Dash, G., & Paul, J. (2021). CB-SEM vs PLS-SEM methods for research in social sciences and technology forecasting. Technological Forecasting and Social Change, 173, 121092.
Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro.
Ghozali, Imam, H. L. (2015). Konsep Teknik Aplikasi Menggunakan Smart PLS 3.0 untuk Penelitian Empiris,. Badan Percetakan Undip.
Humayroh, S. S. (2024). Pengaruh Literasi Keuangan, Literasi Digital, Dan Keamanan Informasi Terhadap Keputusan Penggunaan Qris Pada Mahasiswa Di Universitas Muhammadiyah. Ponorogo. Doctoral Dissertation, Universitas Muhammadiyah Ponorogo.
Julien, H. (2018). Digital Literacy in Theory and Practice. Encyclopedia of Information Science and Technology. Encyclopedia of information science and technology, 22–32. https://doi.org/https://doi.org/10.4018/978-1-5225-7659-4.ch003.
Kapoor, A., Guhathakurta, D., Mathur, M., Yadav, R., Gupta, M., & Kumaraguru, P. (2022). In Companion proceedings of the web conference 2022.). Tweetboost: Influence of social media on nft valuation, 621–629.
Khalid, M., Rahman, M. G., & Setiawan, Y. (2023). Memanfaatkan Potensi QRIS (Quick Response Indonesian Standard) untuk Meningkatkan ZIS (Zakat Infak Shodaqoh). Jurnal Religion: Jurnal Agama, Sosial, Dan Budaya, 1172–1179.
Kshetri, N. (2017). Blockchain's roles in strengthening cybersecurity and protecting privacy. Telecommunications policy, 41(10), 1027-1038.
Park, S., & Shin, S. (2018). Digital literacy and its impact on the use of digital payment systems. Journal of Information Technology Education, 1–20.
Pavlou, M., Ambler, G., Seaman, S., Iorio, M. De, & Omar, R. Z. (2016). Review and evaluation of penalised regression methods for risk prediction in low-dimensional data with few events. October 2015. https://doi.org/10.1002/sim.6782
Rahayu, S., Sari, P., & Yatun, R. F. (2020). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Risiko Dan Persepsi Kepercayaan Terhadap Minat Menggunakan Gopaylater Pada Aplikasi Gojek. JURNAL JUKIM, 1(6), 114–122.
Rayyani, W. O., Saban, A., Muchran, M., Soraya, Z., Sari, A., & Insani, N. (2024). Applying the UTAUT Model to ZIS Digital Payments: Insights from Southeast Asia. Review of Integrative Business and Economics Research, 13(4), 243–261.
Ribble, M. (2015). Digital Citizenship in Schools: Nine Elements All Students Should Know (3rd ed.). International Society for Technology in Education.
Seputri, W., & Yafiz, M. (2022). QRIS Sebagai Alat Transaksi Digital Generasi Z: Analisis Faktor: Ekonomi Keuangan. Adzkiya: Jurnal Hukum Dan Ekonomi Syariah, 10(02), 139-148.
Sulistyawati, Wiwik, W. Wahyudi, and S. T. (2022). Analisis (Deskriptif Kuantitatif) Motivasi Belajar Siswa Dengan Model Blended Learning Di Masa Pandemi Covid19. Jurnal Matematika dan Pendidikan Matematika, 13(1), 68–73.
Van Deursen, A. J., Courtois, C., & van Dijk, J. A. (2014). Internet skills, sources of support, and benefiting from Internet use. ..International journal of human-computer interaction, 30(4), 278–290.
Published
2025-05-22
How to Cite
Syamsu Rijal, Nur Hilda Mustari, Andi Caezar To Tadampali, & Nur Arisah. (2025). The Effect of Digital Literacy and Trust with Security as an Intervening Variable on Transaction Decisions Using Quick Response Code Indonesian Standard (QRIS) on Students of the Faculty of Economics and Business Makassar State University. International Journal of Economics, Business and Innovation Research, 4(03), 866-886. https://doi.org/10.63922/ijebir.v4i03.1830
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