The Effect Of Perceived Usefulness And Perceived Ease Of Use On Interest In Using Qris With Trust As An Intervening Variable
Keywords:
Social Learning Theory; Connectivism; Constructivism; Education.
Abstract
This study aims to analyze the influence of perceived usefulness and perceived ease of use on the intention to use QRIS, with trust serving as an intervening variable among culinary business owners in South Jakarta. The study employed a quantitative approach with an explanatory design and a cross-sectional survey method. Primary data were collected through questionnaires distributed to 150 culinary business owners who had already adopted QRIS, using a purposive sampling technique. Data analysis was conducted using validity and reliability tests, classical assumption tests, multiple regression analysis, and the Sobel test to examine the mediating effect. The results indicate that perceived usefulness has a positive and significant effect on the intention to use QRIS. Trust was also found to have a positive and significant effect on the intention to use QRIS. In contrast, perceived ease of use did not have a significant effect on the intention to use QRIS. The mediation test revealed that trust was able to mediate the effect of perceived usefulness on the intention to use QRIS, but was unable to mediate the effect of perceived ease of use on the intention to use QRIS. These findings confirm that, in the context of culinary business owners who are already familiar with digital transactions, perceived benefits and trust in the system are more decisive factors than ease of use. This study contributes to the literature on digital payment technology adoption, particularly the application of the TAM model integrated with the trust variable in the context of QRIS usage among culinary business owners in urban areas.
References
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Aslam, M. (2024). Testing Normality of Data for Uncertain Level of Significance. Journal of Statistical Theory and Applications, 23(4), 480–499. https://doi.org/10.1007/s44199-024-00098-4
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Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. World Bank. https://doi.org/10.1596/978-1-4648-1897-4
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Hair Jr, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial least squares structural equation modeling (PLS-SEM) using R: A workbook. Springer Nature.
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Hidayati, N., & Karim, N. K. (2024). PEOU dan PU terhadap QRIS. Jurnal Ganec Swara, 18(1), 253–262. https://doi.org/10.35327/gara.v18i1.756
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Khairani, N., Saragih, A. Y., Panggabea, W. N., & Manihuruk, O. J. G. (2025). Pengaruh QRIS terhadap Efisiensi Operasional UMKM. Innovative Journal of Social Science Research, 5(3), 6764–6774.
Kim, J., Kim, D. H., & Kwak, S. G. (2024). Comprehensive guidelines for appropriate statistical analysis methods in research. Korean Journal of Anesthesiology, 77(5), 503–517. https://doi.org/10.4097/kja.24016
Kontan. (2026). BI Mencatat Nilai Transaksi QRIS Capai Rp 164,48 Triliun pada Januari 2026. Kontan.Co.Id. https://keuangan.kontan.co.id/news/bi-mencatat-nilai-transaksi-qris-capai-rp-16448-triliun-pada-januari-2026
Kurnia, R. A., & Tandijaya, T. N. B. (2023). Pengaruh perceived ease of use, perceived usefulness, security dan trust terhadap intention to use aplikasi jago. Jurnal Manajemen Pemasaran, 17(1), 64–72. https://doi.org/10.9744/jmp.17.1.64-72
Kusnandar, D. L., Sari, D. P., & Sahroni, N. (2024). Efisiensi Pembayaran Digital melalui QRIS. Valid Jurnal Ilmiah, 21(2), 270–278. https://doi.org/10.53512/valid.v21i2.368
Madan, K., & Yadav, R. (2018). Mobile Shopping Adoption. Asia Pacific Journal of Marketing and Logistics, 30(1), 139–162.
Maulana, F., & Sarianti, R. (2025). Ease of Use, Trust dan Reuse Intention. Jamanika, 5(1), 1–11. https://doi.org/10.22219/jamanika.v5i1.39550
Mayandra, M. D. (2024). Analisis Minat Penggunaan QRIS dengan TAM. https://repository.unissula.ac.id
Nuraini, A., Supendi, M., Ramadanty, A., Fitriani, I. S., & Shofiyatin, M. (2025). Transformasi Pembayaran Digital dengan QRIS. Praxis Jurnal Pengabdian Kepada Masyarakat, 3(3), 65–77. https://doi.org/10.47776/rb896091
Octavianingrum, P. E., Suprihati, S., & Kusuma, I. L. (2023). Financial Literacy dan QRIS. International Journal of Economics Business Accounting Research, 7(4), 1565–1573. https://doi.org/10.29040/ijebar.v7i4.9956
Oktaviar, C., Arief, H., & Saratian, E. T. P. (2024). Kualitas Pelayanan dan QRIS. Management Studies and Entrepreneurship Journal, 5(2), 6791–6796. https://doi.org/10.37385/msej.v5i2.5291
Olivia, M., & Marchyta, N. K. (2022). The Influence of Perceived Ease of Use and Perceived Usefulness on E-Wallet Continuance Intention: Intervening Role of Customer Satisfaction. Journal of Industrial Engineering: Research & Application/Jurnal Teknik Industri, 24(1). https://doi.org/10.9744/jti.24.1.13-22
Pancawati, A. P. N. L. P., Sudarma, I. M., & Somiartha, I. P. (2025). Integrasi Metode Pembayaran QRIS. Dinamika Jurnal Manajemen Sosial Ekonomi, 5(1), 60–70.
Primandari, I. D. A. A. Y., & Suprapti, N. W. S. (2022). Trust Mediates QRIS Reuse. International Journal of Business Economics Management, 5(3), 201–210. https://doi.org/10.21744/ijbem.v5n3.1942
Rahmi, N., Kurniati, K., & Kusmiati, H. (2023). Intention to Use QRIS Mahasiswa. J-Cosys, 3(2), 77–86. https://doi.org/10.53514/jco.v3i2.413
Rambe, Y., Hasibuan, M., & Ayla, S. (2025). Keamanan dan Kepercayaan QRIS. JIMEK, 5(1), 144–157. https://doi.org/10.55606/jimek.v5i1.5940
Rufaidah, F., Lestari, I., & Trijumansyah, A. (2025). Trust terhadap Adopsi Fintech. Jurnal Techno Bahari, 12(1), 7–14. https://doi.org/10.52234/tb.v12i1.340
Rusminah, R., Hilmiati, H., & Ilhamudin, M. (2024). Risk dan Trust QRIS. JSEH, 10(4), 717–724. https://doi.org/10.29303/jseh.v10i4.716
Santika, A. Z., Musyaffi, A. M., & Zairin, G. M. (2024). Factors Influencing Adoption of QRIS. Jurnal Akuntansi, Perpajakan Dan Audit, 5(1), 172–187. https://doi.org/10.21009/japa.0501.13
Saputri, N. D. M., Muthia, F., & Putri, M. A. (2025). Digitalization of Payments Indonesia. JBTI, 16(2), 174–191. https://doi.org/10.18196/jbti.v16i2.27558
Sholihah, E., & Nurhapsari, R. (2023). Intensi Pengguna QRIS Berdasarkan TAM. Jurnal Nominal, 12(1), 1–12. https://doi.org/10.21831/nominal.v12i1.52480
Sobaih, A. E. E., Gharbi, H., Hasanein, A. M., & Elnasr, A. E. A. (2022). The mediating effects of green innovation and corporate social responsibility on the link between transformational leadership and performance: An examination using SEM analysis. Mathematics, 10(15), 2685. https://doi.org/10.3390/math10152685
Sugiyono. (2022). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alphabet.
Tamaela, K., Loupatty, L. G., & Layn, Y. Y. (2025). Pengaruh PEOU dan PU terhadap E-wallet. JEBIMAN, 3(3), 44–71.
Utami, N. (2025). Adopsi Pembayaran Digital melalui QRIS dan Dampaknya terhadap Kinerja Finansial UMKM Di Daerah Istimewa Yogyakarta. Jurnal Transaksi (Atma Jaya), 17(1), 1–13.
Wijaya, E., & Susilawati, R. (2021). Trust pada Adopsi Fintech. Indonesian Accounting Literacy Journal, 2(1), 202–209. https://doi.org/10.35313/ialj.v2i1.3355
Zakiyah, T., Susridar, S., Susanti, D. N., & Trifiyanto, K. (2025). Faktor Penggunaan QRIS TAM. Indo-Fintech Intellectuals Journal, 5(4), 7792–7807. https://doi.org/10.54373/ifijeb.v5i4.4613
Agnesia, L. D., & Puspawati, D. (2025). Usage Intention of QRIS. COSTING Journal, 8(6), 2522–2541. https://doi.org/10.31539/f33skd09
Ahmad, A. U., Balakrishnan, U. V, & Jha, P. S. (2021). A study of multicollinearity detection and rectification under missing values. Turkish Journal of Computer and Mathematics Education, 12(1S), 399–418.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Mobile Banking Adoption. International Journal of Information Management, 37(3), 99–110.
Amelia, P., Ahdianti, F., Shakila, A. R., & Muhammad, A. F. (2025). Pengaruh Penggunaan QRIS terhadap Konsumsi Generasi Z. Jurnal Eksopoda, 1(6), 1–13.
Andhika, M. M., Ariani, M., & Budiarto, B. (2025). Tantangan Perkembangan Teknologi QRIS. Jurnal Ilmiah MEA, 9(1), 1522–1539.
Aprila, B. N., Rahman, S., Novelia, V., & Farhas, R. J. (2024). Perceived Usefulness dan GoPay. Procuratio, 12(4), 459–469. https://doi.org/10.35145/procuratio.v12i4.4722
Aslam, M. (2024). Testing Normality of Data for Uncertain Level of Significance. Journal of Statistical Theory and Applications, 23(4), 480–499. https://doi.org/10.1007/s44199-024-00098-4
Baron, R., & Kenny, D. (1986). The Moderator-Mediator Variable Distinction in Social Psychological Research: Conceptual, Strategic, and Statistical Considerations. Journal of Personality and Social Psychology, 51, 1173–1182. https://doi.org/10.1037/0022-3514.51.6.1173
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of IT. MIS Quarterly, 13(3), 319–340.
Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. World Bank. https://doi.org/10.1596/978-1-4648-1897-4
Diandra, D., Endang Ruswanti, Zainur Hidayah, & Ahmad Azmy. (2026). Exploring Digital Native Consumers’ Purchase Intention in Airline Services using TAM: The Mediating Role of Trust. Jurnal Ilmiah Manajemen Kesatuan, 14(1), 1189–1194. https://doi.org/10.37641/jimkes.v14i1.5012
Ekaputra, P. S., Ciptosari, F., & Halim, T. (2024). Adopsi QRIS di UMKM Labuan Bajo. Jurnal Akademi Vokasi, 3(2), 1–13.
Febisatria, A., Zulfahmi, Z., Laega, E. T. Z. R., Sipayung, L. D., & Pratama, A. A. (2025). Digital Banking Adoption Indonesia. Target Jurnal Manajemen Bisnis, 7(2), 79–86. https://doi.org/10.30812/target.v7i2.5868
Febriyani, D., & Gunarsih, T. (2025). Trust sebagai Mediasi QRIS. Kajian Bisnis, 33(2), 124–136. https://doi.org/10.32477/jkb.v33i2.1180
Ghozali, I. (2017). Aplikasi Analisis Multivariate dengan Program IBM SPSS. Badan Penerbit Universitas Diponegoro.
Hair Jr, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial least squares structural equation modeling (PLS-SEM) using R: A workbook. Springer Nature.
Hidayanti, N. F., & Ariani, Z. (2025). Gaya Hidup Digital, Literasi Keuangan, dan Persepsi Risiko: Faktor Penentu dalam Penggunaan QRIS. Ekonomi Keuangan, Investasi Dan Syariah, 6(4), 707–715. https://doi.org/10.47065/ekuitas.v6i4.7260
Hidayati, N., & Karim, N. K. (2024). PEOU dan PU terhadap QRIS. Jurnal Ganec Swara, 18(1), 253–262. https://doi.org/10.35327/gara.v18i1.756
Indah, I., Novianti, A., Ulhusna, D., Ananda, A., & Bahri, A. (2025). QRIS dan e-wallet sebagai solusi pembayaran digital di UMKM. Jurnal Riset Ekonomi Dan Bisnis, 18(2), 198–206. https://doi.org/10.26623/jreb.v18i2.12787
Khairani, N., Saragih, A. Y., Panggabea, W. N., & Manihuruk, O. J. G. (2025). Pengaruh QRIS terhadap Efisiensi Operasional UMKM. Innovative Journal of Social Science Research, 5(3), 6764–6774.
Kim, J., Kim, D. H., & Kwak, S. G. (2024). Comprehensive guidelines for appropriate statistical analysis methods in research. Korean Journal of Anesthesiology, 77(5), 503–517. https://doi.org/10.4097/kja.24016
Kontan. (2026). BI Mencatat Nilai Transaksi QRIS Capai Rp 164,48 Triliun pada Januari 2026. Kontan.Co.Id. https://keuangan.kontan.co.id/news/bi-mencatat-nilai-transaksi-qris-capai-rp-16448-triliun-pada-januari-2026
Kurnia, R. A., & Tandijaya, T. N. B. (2023). Pengaruh perceived ease of use, perceived usefulness, security dan trust terhadap intention to use aplikasi jago. Jurnal Manajemen Pemasaran, 17(1), 64–72. https://doi.org/10.9744/jmp.17.1.64-72
Kusnandar, D. L., Sari, D. P., & Sahroni, N. (2024). Efisiensi Pembayaran Digital melalui QRIS. Valid Jurnal Ilmiah, 21(2), 270–278. https://doi.org/10.53512/valid.v21i2.368
Madan, K., & Yadav, R. (2018). Mobile Shopping Adoption. Asia Pacific Journal of Marketing and Logistics, 30(1), 139–162.
Maulana, F., & Sarianti, R. (2025). Ease of Use, Trust dan Reuse Intention. Jamanika, 5(1), 1–11. https://doi.org/10.22219/jamanika.v5i1.39550
Mayandra, M. D. (2024). Analisis Minat Penggunaan QRIS dengan TAM. https://repository.unissula.ac.id
Nuraini, A., Supendi, M., Ramadanty, A., Fitriani, I. S., & Shofiyatin, M. (2025). Transformasi Pembayaran Digital dengan QRIS. Praxis Jurnal Pengabdian Kepada Masyarakat, 3(3), 65–77. https://doi.org/10.47776/rb896091
Octavianingrum, P. E., Suprihati, S., & Kusuma, I. L. (2023). Financial Literacy dan QRIS. International Journal of Economics Business Accounting Research, 7(4), 1565–1573. https://doi.org/10.29040/ijebar.v7i4.9956
Oktaviar, C., Arief, H., & Saratian, E. T. P. (2024). Kualitas Pelayanan dan QRIS. Management Studies and Entrepreneurship Journal, 5(2), 6791–6796. https://doi.org/10.37385/msej.v5i2.5291
Olivia, M., & Marchyta, N. K. (2022). The Influence of Perceived Ease of Use and Perceived Usefulness on E-Wallet Continuance Intention: Intervening Role of Customer Satisfaction. Journal of Industrial Engineering: Research & Application/Jurnal Teknik Industri, 24(1). https://doi.org/10.9744/jti.24.1.13-22
Pancawati, A. P. N. L. P., Sudarma, I. M., & Somiartha, I. P. (2025). Integrasi Metode Pembayaran QRIS. Dinamika Jurnal Manajemen Sosial Ekonomi, 5(1), 60–70.
Primandari, I. D. A. A. Y., & Suprapti, N. W. S. (2022). Trust Mediates QRIS Reuse. International Journal of Business Economics Management, 5(3), 201–210. https://doi.org/10.21744/ijbem.v5n3.1942
Rahmi, N., Kurniati, K., & Kusmiati, H. (2023). Intention to Use QRIS Mahasiswa. J-Cosys, 3(2), 77–86. https://doi.org/10.53514/jco.v3i2.413
Rambe, Y., Hasibuan, M., & Ayla, S. (2025). Keamanan dan Kepercayaan QRIS. JIMEK, 5(1), 144–157. https://doi.org/10.55606/jimek.v5i1.5940
Rufaidah, F., Lestari, I., & Trijumansyah, A. (2025). Trust terhadap Adopsi Fintech. Jurnal Techno Bahari, 12(1), 7–14. https://doi.org/10.52234/tb.v12i1.340
Rusminah, R., Hilmiati, H., & Ilhamudin, M. (2024). Risk dan Trust QRIS. JSEH, 10(4), 717–724. https://doi.org/10.29303/jseh.v10i4.716
Santika, A. Z., Musyaffi, A. M., & Zairin, G. M. (2024). Factors Influencing Adoption of QRIS. Jurnal Akuntansi, Perpajakan Dan Audit, 5(1), 172–187. https://doi.org/10.21009/japa.0501.13
Saputri, N. D. M., Muthia, F., & Putri, M. A. (2025). Digitalization of Payments Indonesia. JBTI, 16(2), 174–191. https://doi.org/10.18196/jbti.v16i2.27558
Sholihah, E., & Nurhapsari, R. (2023). Intensi Pengguna QRIS Berdasarkan TAM. Jurnal Nominal, 12(1), 1–12. https://doi.org/10.21831/nominal.v12i1.52480
Sobaih, A. E. E., Gharbi, H., Hasanein, A. M., & Elnasr, A. E. A. (2022). The mediating effects of green innovation and corporate social responsibility on the link between transformational leadership and performance: An examination using SEM analysis. Mathematics, 10(15), 2685. https://doi.org/10.3390/math10152685
Sugiyono. (2022). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alphabet.
Tamaela, K., Loupatty, L. G., & Layn, Y. Y. (2025). Pengaruh PEOU dan PU terhadap E-wallet. JEBIMAN, 3(3), 44–71.
Utami, N. (2025). Adopsi Pembayaran Digital melalui QRIS dan Dampaknya terhadap Kinerja Finansial UMKM Di Daerah Istimewa Yogyakarta. Jurnal Transaksi (Atma Jaya), 17(1), 1–13.
Wijaya, E., & Susilawati, R. (2021). Trust pada Adopsi Fintech. Indonesian Accounting Literacy Journal, 2(1), 202–209. https://doi.org/10.35313/ialj.v2i1.3355
Zakiyah, T., Susridar, S., Susanti, D. N., & Trifiyanto, K. (2025). Faktor Penggunaan QRIS TAM. Indo-Fintech Intellectuals Journal, 5(4), 7792–7807. https://doi.org/10.54373/ifijeb.v5i4.4613
Published
2026-06-13
How to Cite
Anita, A., & Didip Diandra. (2026). The Effect Of Perceived Usefulness And Perceived Ease Of Use On Interest In Using Qris With Trust As An Intervening Variable. International Journal of Education, Vocational and Social Science , 5(03), 1070-1095. https://doi.org/10.63922/ijevss.v5i03.4232
Contact Person +6282139474255
Email : ijevss@citakonsultindo.or.id / editor.ijevss@gmail.com
