Students’ Perceptions Of Qris As An Alternative Digital Payment Method In Higher Education

Abstract

The growth of digital transactions has encouraged the use of QR-based    payment systems, including the Quick Response Code Indonesian Standard (QRIS). This study aims to examine students’ perceptions of QRIS as a digital payment alternative and identify the obstacles encountered in its use at STIE Pemuda. The study employed a qualitative descriptive approach with nine active students selected through purposive sampling. Data were obtained through open-ended questionnaires, semi-structured interviews, observation, and audio recording, then analyzed using the Miles and Huberman interactive model. The findings indicate that students generally perceive QRIS positively because it makes payments easier, faster, more practical, efficient, comfortable, and relatively secure. Students also support the potential implementation of QRIS for administrative services, canteens, cooperatives, and student activities on campus. The main obstacles are unstable internet connections, application disruptions, device conditions such as depleted batteries, and the fact that not all merchants accept QRIS. The findings suggest that wider QRIS implementation should be accompanied by adequate digital infrastructure, service reliability, and user education.The growth of digital transactions has encouraged the use of QR-based    payment systems, including the Quick Response Code Indonesian Standard (QRIS). This study aims to examine students’ perceptions of QRIS as a digital payment alternative and identify the obstacles encountered in its use at STIE Pemuda. The study employed a qualitative descriptive approach with nine active students selected through purposive sampling. Data were obtained through open-ended questionnaires, semi-structured interviews, observation, and audio recording, then analyzed using the Miles and Huberman interactive model. The findings indicate that students generally perceive QRIS positively because it makes payments easier, faster, more practical, efficient, comfortable, and relatively secure. Students also support the potential implementation of QRIS for administrative services, canteens, cooperatives, and student activities on campus. The main obstacles are unstable internet connections, application disruptions, device conditions such as depleted batteries, and the fact that not all merchants accept QRIS. The findings suggest that wider QRIS implementation should be accompanied by adequate digital infrastructure, service reliability, and user education.The growth of digital transactions has encouraged the use of QR-based    payment systems, including the Quick Response Code Indonesian Standard (QRIS). This study aims to examine students’ perceptions of QRIS as a digital payment alternative and identify the obstacles encountered in its use at STIE Pemuda. The study employed a qualitative descriptive approach with nine active students selected through purposive sampling. Data were obtained through open-ended questionnaires, semi-structured interviews, observation, and audio recording, then analyzed using the Miles and Huberman interactive model. The findings indicate that students generally perceive QRIS positively because it makes payments easier, faster, more practical, efficient, comfortable, and relatively secure. Students also support the potential implementation of QRIS for administrative services, canteens, cooperatives, and student activities on campus. The main obstacles are unstable internet connections, application disruptions, device conditions such as depleted batteries, and the fact that not all merchants accept QRIS. The findings suggest that wider QRIS implementation should be accompanied by adequate digital infrastructure, service reliability, and user education.