PERAN LITERASI DIGITAL, PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT DAN PERSEPSI RESIKO TERHADAP INTENSI PENGGUNAAN QRIS PADA PELAKU USAHA MIKRO di D.I. YOGYAKARTA

Desti Wahyuni, NIM.: 21108020020 (2025) PERAN LITERASI DIGITAL, PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT DAN PERSEPSI RESIKO TERHADAP INTENSI PENGGUNAAN QRIS PADA PELAKU USAHA MIKRO di D.I. YOGYAKARTA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

Preview	Text (PERAN LITERASI DIGITAL, PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT DAN PERSEPSI RESIKO TERHADAP INTENSI PENGGUNAAN QRIS PADA PELAKU USAHA MIKRO di D.I. YOGYAKARTA) 21108020020_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version Download (8MB) | Preview
	Text (PERAN LITERASI DIGITAL, PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT DAN PERSEPSI RESIKO TERHADAP INTENSI PENGGUNAAN QRIS PADA PELAKU USAHA MIKRO di D.I. YOGYAKARTA) 21108020020_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (15MB) | Request a copy

Abstract

This study aims to analyze the influence of digital literacy, perceived ease of use, perceived usefulness, and perceived risk on the intention to use QRIS among micro business actors in the Special Region of Yogyakarta. The study is motivated by the increasing importance of understanding the factors driving digital payment adoption in the micro business sector. A quantitative approach was employed, using survey methods and multiple linear regression analysis to examine the data collected from micro business owners. The results reveal that all independent variables—digital literacy, perceived ease of use, perceived usefulness, and perceived risk—have a positive and significant effect on the intention to use QRIS. Interestingly, perceived risk, which was hypothesized to have a negative influence, showed a significant positive effect. This suggests that micro business owners are still willing to adopt QRIS despite recognizing potential risks, as they perceive that the benefits outweigh the concerns. These findings contribute to the theoretical development of technology adoption behavior and offer practical implications for policymakers and payment service providers in designing risk mitigation strategies and educational programs

Share this knowledge with your friends :

Actions (login required)

View Item