Analysis of Factors That Influence Use Behaviour of Using Qris Payments for Umkm in Bekasi

Abstract

The adoption of digital payment systems, such as Quick Response Code Indonesian Standard (QRIS), has become increasingly important for Micro, Small, and Medium Enterprises (UMKM) in Indonesia. This study investigates the factors influencing QRIS use behavior among UMKM in the Bekasi region, using a modified Unified Theory of Acceptance and Use of Technology (UTAUT) model with the addition of a Trust variable. A quantitative approach is employed, with data collected through an online questionnaire targeting 400 UMKM business actors. The results confirm the significant influence of Performance Expectancy, Effort Expectancy, Social Influence, Trust, Behavioral Intention, and Facilitating Condition on QRIS adoption. The findings contribute to the understanding of mobile payment adoption among UMKM and provide valuable insights for QRIS providers and policymakers. The study highlights the importance of considering user perceptions and trust in promoting the widespread adoption of QRIS, which can potentially enhance the growth and competitiveness of UMKM in Indonesia. Future research should explore the long-term impact of QRIS on UMKM performance and investigate the potential moderating effects of demographic and business characteristics on QRIS use behavior.