Determinants of QRIS Usage Decisions Among Housewives in Bandar Lampung
Keywords:
perceived ease of use, perceived usefulness, trust, decision to use, QRIS
Abstract
The public's interest in utilizing the Quick Response Code Indonesian Standard (QRIS) for cashless transactions method has increased due to the rapid expansion of digital payment services. This study looks at how housewives in Bandar Lampung use QRIS according to their assessments of its usefulness, simplicity of use, and trustworthiness. 97 housewives with QRIS expertise participated in the study, which used a quantitative methodology. The method known as multiple linear regression was employed to analyze the data, which were gathered via a standardized Likert-scale questionnaire. The findings demonstrate that housewives' decisions to utilize QRIS are significantly influenced by perceived utility, perceived ease of use, and trust, both partially and concurrently. Perceived ease of use encourages QRIS adoption through simple and practical transaction processes, while perceived usefulness enhances transaction efficiency and effectiveness. In addition, trust strengthens users’ confidence in the security and dependability of the QRIS digital method of payment.
References
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Nawangsari, S., & Pryhasti, A. L. (2025). Analisis Faktor-Faktor yang Mempengaruhi Keputusan Penggunaan QRIS sebagai Alat Pembayaran Digital. ARBITRASE: Journal of Economics and Accounting, 6(2), 603–610. https://doi.org/10.47065/arbitrase.v6i2.2541
Putri, M. T., Hatta, A. J., & Indraswono, C. (2023). Analisis Persepsi Kemanfaatan, Persepsi Kemudahan, Kepercayaan, Gaya Hidup, Literasi Keuangan, Dan Risiko terhadap Penggunaan QRIS sebagai Alat Pembayaran Digital pada Mahasiswa di Yogyakarta. Jurnal Ekonomi Bisnis, 17(3), 215–228. https://doi.org/10.53916/jeb.v17i3.73
Sekaran, U., & Bougie, R. (2020). Research Methods For Business: A Skill Building Approach (8th ed.). John Wiley & Sons.
Shobirin, A., Pangastuti, R. L., & Triwidiyati, E. (2025). Pengaruh Financial Knowledge dan Perceived Ease terhadap Minat Penggunaan QRIS oleh Ibu Rumah Tangga di Nganjuk. Jurnal Manajemen & Profesional, 6(2), 132–141. https://doi.org/https://doi.org/10.32815/jpro.v6i2.2703
Zalukhu, S., & Lattu, A. (2024). The Influence of Using the QRIS Digital Payment Method on Customer Purchasing Decisions. Jurnal Ilmiah Manajemen Kesatuan, 13(1), 445–454. https://doi.org/10.37641/jimkes.v13i1.3064
Zusrony, E., Anzie, L. P., Asti, P., Manalu, G., Permana, I., & Imaliya, T. (2023). Analisis Perceived Usefulness , Perceived Ease of Use dan Perceived Risk terhadap Minat Penggunaan Pembayaran Digital Quick Response Indonesia Standard (QRIS) pada Pelaku UMKM. Jurnal Ilmiah Ekonomi Dan Bisnis, 16(1), 200–206. https://doi.org/https://doi.org/10.51903/e-bisnis.v16i1.1211
Bank Indonesia. (2025a). Elektronifikasi. Bank Indonesia. https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/elektronifikasi/default.aspx#floating-2
Bank Indonesia. (2025b). QRIS Jelajah Indonesia 2025 Dorong Digitalisasi dengan Wisata Budaya. Bank Indonesia. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2717025.aspx
Bank Indonesia. (2026). QRIS (Quick Response Code Indonesian Standard). https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/kanal-layanan/qris/default.aspx
Davis, F. D. (1989). Technology Acceptance Model.
Destrina, I., & Kusumasari, I. R. (2026). The Impact of Perceived Ease of Use, Perceived Usefulness, and Trust on User’s Intention to Use QRIS on BCA Mobile in Surabaya. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 9(1), 326–328. https://doi.org/https://doi.org/10.31538/iijse.v9i1.7615
Fadillah, W., & ZA, S. Z. (2023). Pengaruh Persepsi Kemudahan Penggunaan dan Persepsi Manfaat Terhadap Minat Menggunakan Aplikasi Canva. Mamen (Jurnal Manajemen), 2(2), 231–240. https://doi.org/10.55123/mamen.v2i2.1808
Fatimah, O. M., & Syamsiah. (2023). Pengaruh Perceived Usefulness, Perceived Trust, Perceived Self Efficacy, Perceived Ease of Use, dan Perceived Security terhadap Minat Menggunakan Financial Technology (Studi pada Pengguna Fitur Layanan Go Pay di STIE Madani Balikpapan). Jurnal Akuntansi Manajemen Madani, 9(2), 1–15. https://doi.org/https://doi.org/10.51882/jamm.v9i2.70
Ghozali, I. (2021). Aplikasi Analisis Multivariate dengan Program IBM SPSS 26 (10th ed.). Badan Penerbit Universitas Diponegoro.
Halim, A. (2023). Pengaruh Trust, Perceived Ease of Use dan Perceived Usefulness Terhadap Repurchase Intention dengan Menggunakan E-Commerce. Jurnal Manajemen Bisnis Dan Kewirausahaan, 7(3), 650–662. https://doi.org/https://doi.org/10.24912/jmbk.v7i3.23877
Herawati, M., & Mukhsin, M. (2023). Pengaruh Perceived of Usefulness, Perceived Ease of Use, dan Perceived Risk terhadap Continuance Intention pada Penggunaan Digital Payment di Provinsi Bengkulu. Jurnal Ekobis: Ekonomi, Bisnis Dan Manajemen, 13, 155–165. https://doi.org/https://doi.org/10.37932/je.v13i2.801
IDN Times Lampung. (2025, November 4). Januari-Juni 2025, Transaksi QRIS di Lampung Tembus 6,8 Juta Kali. IDN Times Lampung. https://lampung.idntimes.com/news/business/januari-juni-2025-transaksi-qris-di-lampung-tembus-6-8-juta-kali-00-5h6fh-5069vf
Judijanto, L., Destiana, R., Sudarmanto, E., Suprapti, I. A. P., & Harsono, I. (2024). Analisis Pengaruh Adopsi Teknologi Finansial, Kepercayaan Nasabah, dan Regulasi Terhadap Penggunaan Layanan Keuangan Digital. Jurnal Akuntansi Dan Keuangan West Science, 3(01), 20–28. https://doi.org/https://doi.org/10.58812/jakws.v3i01.906
Kotler, P., Keller, K. L., & Chernev, A. (2022). Marketing Management (16th ed.). Pearson Education.
Manurung, M. E., Harisandi, P., & Yahya, A. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use dan Trust terhadap Kepuasan Pengguna QRIS bagi Pelaku Usaha UMKM Kabupaten Bekasi. Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis, 5(2), 106–117. https://doi.org/https://doi.org/10.55606/jaemb.v5i2.6392
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust (Vol. 20, Issue 3).
Mustagfiroh, L., & Supriyadi, A. (2024). Efektivitas Penggunaan QRIS sebagai Media Pembayaran dalam Meningkatkan Perkembangan UMKM di Jepara. JEBISKU: Jurnal Ekonomi Dan Bisnis Islam IAIN Kudus, 2(2), 204–218. https://doi.org/https://doi.org/10.21043/jebisku.v2i2.2524
Nawangsari, S., & Pryhasti, A. L. (2025). Analisis Faktor-Faktor yang Mempengaruhi Keputusan Penggunaan QRIS sebagai Alat Pembayaran Digital. ARBITRASE: Journal of Economics and Accounting, 6(2), 603–610. https://doi.org/10.47065/arbitrase.v6i2.2541
Putri, M. T., Hatta, A. J., & Indraswono, C. (2023). Analisis Persepsi Kemanfaatan, Persepsi Kemudahan, Kepercayaan, Gaya Hidup, Literasi Keuangan, Dan Risiko terhadap Penggunaan QRIS sebagai Alat Pembayaran Digital pada Mahasiswa di Yogyakarta. Jurnal Ekonomi Bisnis, 17(3), 215–228. https://doi.org/10.53916/jeb.v17i3.73
Sekaran, U., & Bougie, R. (2020). Research Methods For Business: A Skill Building Approach (8th ed.). John Wiley & Sons.
Shobirin, A., Pangastuti, R. L., & Triwidiyati, E. (2025). Pengaruh Financial Knowledge dan Perceived Ease terhadap Minat Penggunaan QRIS oleh Ibu Rumah Tangga di Nganjuk. Jurnal Manajemen & Profesional, 6(2), 132–141. https://doi.org/https://doi.org/10.32815/jpro.v6i2.2703
Zalukhu, S., & Lattu, A. (2024). The Influence of Using the QRIS Digital Payment Method on Customer Purchasing Decisions. Jurnal Ilmiah Manajemen Kesatuan, 13(1), 445–454. https://doi.org/10.37641/jimkes.v13i1.3064
Zusrony, E., Anzie, L. P., Asti, P., Manalu, G., Permana, I., & Imaliya, T. (2023). Analisis Perceived Usefulness , Perceived Ease of Use dan Perceived Risk terhadap Minat Penggunaan Pembayaran Digital Quick Response Indonesia Standard (QRIS) pada Pelaku UMKM. Jurnal Ilmiah Ekonomi Dan Bisnis, 16(1), 200–206. https://doi.org/https://doi.org/10.51903/e-bisnis.v16i1.1211
Published
2026-06-27
How to Cite
Sari, A. F., Nugeraha, P., & Fathurrahman, M. (2026). Determinants of QRIS Usage Decisions Among Housewives in Bandar Lampung. International Journal of Economics, Business and Innovation Research, 5(04), 2501-2517. https://doi.org/10.63922/ijebir.v5i04.4621
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