Analysis of Factors Influencing Students' Intention to Adopt QRIS Digital Payment Using the UTAUT2 Model with Behavioral Intention as a Mediating Variable in Cimahi City
DOI:
https://doi.org/10.55927/ijsmr.v4i9.157Keywords:
QRIS, UTAUT2, Behavioral Intention, Use Behavior, Digital PaymentAbstract
In this research, we employ the UTAUT2 model to investigate what variables influence students' intentions to use QRIS, with behavioural intention serving as a mediator between seven UTAUT2 dimensions and actual usage. For this quantitative study, we used Purposive Sampling and Partial Least Square-Structural Equation Modelling to analyse data from 311 Cimahi City students who had used QRIS. The findings demonstrate that behavioural intention has a positive and substantial impact on use behaviour, that both behavioural intention and the enabling condition have positive and substantial effects on use behaviour, and that behavioural intention plays a mediating role between the effects of habit and use behaviour. Neither of the other five UTAUT2 constructions had any discernible impact. These results show that students' habits and the availability of supporting resources, not perceived technology advantages, are the primary factors that keep them using QRIS over time.
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