The Impact of Perceived Ease of Use, Perceived Usefulness, and Trust on Users’ Intention to Use QRIS on BCA Mobile in Surabaya
Abstract
This study is based on technological advancement that have brought significant changes and contributions to various sectors, including finance. One such development is the adoption of financial technology, which integrates finance and technology to enhance efficiency and convenience for users. This research employs a quantitative method with an associative approach. The sampling technique used is purposive sampling, with a total of 150 respondents. Data were analyzed using the PLS-SEM (Partial Least Squares Structural Equation Modeling) method with the help of SmartPLS version 4.0.9.9. The results show that perceived ease of use has no significant effect on usage intention. Meanwhile, perceived usefulness and trust have a significant effect on the intention to use the QRIS feature in the BCA Mobile application in Surabaya.
Downloads
References
Azzahroo, R. A., & Estiningrum, S. D. (2021). Student preferences in using Quick Response Code Indonesian Standard (QRIS) as a payment technology. Jurnal Manajemen Motivasi, 17(1), 3. https://doi.org/10.29406/jmm.v17i1.2800
Debora, Maysa., & Widiati, E. (2023). The influence of perceived usefulness, perceived ease of use, trust, and security on the intention to use GoPay among Generation X in Surabaya. Jurnal Management & Accounting Expose, 6(2), 64–74.
Isbahi, M. B. (2023). Factors Influencing Purchase Behavior: Consumer Interest, Price, and Product Quality (Literature Review HRM). Danadyaksa: Post Modern Economy Journal, 1(1), 18–36. https://doi.org/10.69965/danadyaksa.v1i1.6
Kumala, D. C., Pranata, J. W., & Thio, S. (2020). The effect of perceived usefulness, perceived ease of use, trust, and security on the intention to use GoPay among Generation X in Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19–29. https://doi.org/10.9744/jmp.6.1.19-29
Kurnia, R. A., & Tandijaya, T. N. B. (2023). The influence of perceived ease of use, perceived usefulness, security, and trust on the intention to use the Jago application. Jurnal Manajemen Pemasaran, 17(1), 64–72. https://doi.org/10.9744/jmp.17.1.64-72
Priadana, Sidik., & Sunarsi, D. (2021). Quantitative Research Methods.
Puspitasari, M. (2021). The influence of perceived ease of use, trust, and risk on the interest in transactions using Financial Technology (Fintech).
Rahimi, Y., Restuti, S., & Wasnury, R. (2024). Analysis of QRIS (Quick Response Indonesian Standard) usage using the Technology Acceptance Model (TAM) approach. 3(1), 177–187. https://doi.org/10.21776/jmppk.2024.03.1.18
Rangkuti, F. A. V. (2021). The influence of perceived usefulness and perceived ease of use of QRIS on digital payment efficiency among UINSU students.
Savino, C. R. (2024). Analysis of user acceptance and satisfaction of the MyBCA mobile banking application using an extended integration model of TAM and EUCS.
Toha, Mohamad & Supriyanto. (2023). Factors Influencing the Consumer Research Process: Market Target, Purchasing Behavior and Market Demand (Literature Review Of Consumer Behavior). Danadyaksa: Post Modern Economy Journal, 1(1), 1–17. Retrieved from https://e-journal.bustanul-ulum.id/in
Toha, M., & Rozikin, K. (2020). Implementasi Maqasid Al-Shari’ah Dalam Manajemen Strategis Syariah. JES (Jurnal Ekonomi Syariah), 5(1). https://doi.org/10.30736/jesa.v5i1.75
Wanda, D. (2023). The influence of knowledge, trust, and ease of use of financial technology on the intention to transact through mobile banking at Islamic banks. In UIN Ar-Raniry Banda Aceh.
Wardani, D. (2021). Factors influencing the use of mobile banking (a case study on customers of government banks). Jurnal Sistem Informasi Bisnis, 2(Nomor 1), 15–32.
Wiyono, G., & Kirana, & K. C. (2020). The effect of fintech impression on SME financial behavior, 21(1), 69–81. https://doi.org/10.30596/jimb.v21i1.3889
Copyright (c) 2025 Inggrid Destrina
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
