THE QUICK RESPOND INDONESIAN STANDARD (QRIS) PERFORMANCE: EVIDENCE FROM “Z GENERATION” GROUP
DOI:
10.54443/ijerlas.v3i3.872Published:
2023-05-01Downloads
Abstract
This study aims to determine whether self-efficacy, personal attachment, privacy issues, and technological innovations influence the Quick Respond Indonesian Standard usage determination. The study approach is quantitative, using multiple linear regression statistical analysis. The research population of this study is the 100 Z generation in Lhokseumawe City. The data were collected from first-hand sources through a Likert-scale-based survey by sending questionnaires. The result analysis demonstrates that self-efficacy and privacy issues do not influence Gen Z determinants to use Quick Respond Indonesian Standard (QRIS). In contrast, personal attachment and technological innovations positively affect the Z generation to use the QRIS platform.
Keywords:
self-efficacy, personal attachment, privacy issues, technological innovations, QRISReferences
Agatha Olivia, R.A. (2023) Bank Indonesia says Qris connecting 31 MLN users, 25 MLN merchants, Antara News. ANTARA. Available at: https://en.antaranews.com/news/276897/bank-indonesia-says-qris-connecting-31-mln-users-25-mln-merchants (Accessed: April 1, 2023).
Agustia, C., Muthi’ah, F., & Indrarini, R. (2022). Strategi Pengumpulan Dana Infaq Melalui Sistem Pembayaran Non-Tunai Qris dalam Meningkatkan Minat Donatur Masjid Agung Kabupaten Lamongan. Ilmu Komputer, Ekonomi Dan Manajemen, 2(2), 3632–3640.
Andaiyani, S., Tarmizi, N., Ekonomi Pembangunan, J., Ekonomi, F., Sriwijaya, U., & Artikel, I. (2020). Sricommerce: Journal of Sriwijaya Community Services Peran Financial Technology sebagai Alternatif Permodalan bagi UMKM di Desa Kerinjing, Kabupaten Ogan Ilir. Sricommerce: Journal of Sriwijaya Community Services, 1(2), 85–92. http://jscs.ejournal.unsri.ac.id/index.php/jscs
Andini, A.N. (2022). Studi: Kecanduan Smartphone Bisa Sebabkan Orang Jadi Compulsive Shopping, liputan6.com. Liputan6. Available at: https://www.liputan6.com/citizen6/read/5151718/studi-kecanduan-smartphone-bisa-sebabkan-orang-jadi-compulsive-shopping (Accessed: February 15, 2023).
Asyifa, D. I. (2020). Exploring Indonesian Gen Z Digital Reading Issues. UICELL Conference Proceeding, 2012(December), 10–18.
Ayri, N. O., (2022). Interview related to QRIS platform understanding in State Islamic Institute Lhokseumawe. State Islamic Institute Lhokseumawe student, 25th August 2022.
Bandura, A., (1986). Social foundations of thought and action: a social cognitive theory. Prentice Hall, Englewood Cliffs
Bi.go.id. (2017). PERATURAN BANK INDONESIA. In Peraturan Bank Indonesia. https://www.bi.go.id/id/sistem-pembayaran/fintech/Contents/default.aspx
Dollu, E. B. S. (2019). Modal Sosial (Studi tentang Kumpo Kampo sebagai Strategi Melestarikan Kohesivitas pada Masyarakat Larantuka di Kabupaten Flores Timur). Warta Governare: Junal Ilmu Pemerintahan, 1(1), 59–72. https://journal.unwira.ac.id/index.php/WG/article/download/329/172/
Erlianti, G. (2020). Pola Perilaku Pencarian Informasi Generasi Z Berperspektif Ellisian. AL Maktabah, 5(1), 1. https://doi.org/10.29300/mkt.v5i1.3135
Firamadhina, F. I. R., & Krisnani, H. (2021). PERILAKU GENERASI Z TERHADAP PENGGUNAAN MEDIA SOSIAL TIKTOK: TikTok Sebagai Media Edukasi dan Aktivisme. Share : Social Work Journal, 10(2), 199. https://doi.org/10.24198/share.v10i2.31443
Hiyanti, H., Nugroho, L., Sukamadilaga, C., & Fitrijanti, T. (2019). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia | Hiyanti | Jurnal Ilmiah Ekonomi Islam. Jurnal Ilmiah Ekonomi Islam, 5(03), 326–333. https://jurnal.stie-aas.ac.id/index.php/jei/article/view/578/406
Hodge, D. R., & Gebler-Wolfe, M. M. (2022). Understanding Technology’s Impact on Youth: Attachment Theory as a Framework for Conceptualizing Adolescents’ Relationship with Their Mobile Devices. Children and Schools, 44(3), 153–162. https://doi.org/10.1093/cs/cdac007
Indonesia, B. (2020). Quick response code indonesian standard (QRIS), Quick Response Code Indonesian Standard (QRIS). Available at: https://bicara131.bi.go.id/knowledgebase/article/KA-01061/en-us (Accessed: February 15, 2023).
Indonesia, B. (2020). Kanal Dan Layanan //, QR Code Indonesian Standard (QRIS), Apa Itu QRIS?. Available at: https://www.bi.go.id/QRIS/default.aspx (Accessed: February 1, 2023).
Jumrianti, F., Nugroho, S., & Arief, Y. (2022). Hubungan Antara Kecanduan Smartphone Dengan Psychological Well-being Pada Remaja. Journal of Islamic and Contemporary Psychology (JICOP), 2(1), 49–57. https://doi.org/10.25299/jicop.v2i1.10263
Kristianti, I., & Tulenan, M. V. (2021). Dampak financial technology terhadap kinerja keuangan perbankan. Kinerja, 18(1), 57–65. http://journal.feb.unmul.ac.id/index.php/KINERJA/article/view/8254
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan, 8(1), 56–64. https://doi.org/10.31294/moneter.v8i1.9903
Marlina, L., Mundzir, A., & Pratama, H. (2021). Cashless Dan Cardless Sebagai Perilaku Transaksi Di Era Digital: Suatu Tinjauan Teoretis Dan Empiris. Jurnal Co Management, 3(2), 533–542. https://doi.org/10.32670/comanagement.v3i2.424
Naution, D. A., Hasibuan, R. R. A., & Prayoga, R. (2021). Tingkat Perkembangan Fintech (Financial Technology), Pemahaman Fintech (Financial Technology) dan Minat Mahasiswa UIN Sumatera Utara. Jurnal Pendidikan Tambusai, 5(3), 9080–9090. https://jptam.org/index.php/jptam/article/view/2423
Ngafifi, M. (2014). Kemajuan Teknologi Dan Pola Hidup Manusia Dalam Perspektif Sosial Budaya. Jurnal Pembangunan Pendidikan: Fondasi Dan Aplikasi, 2(1), 33–47. https://doi.org/10.21831/jppfa.v2i1.2616
Purwanto, H., Yandri, D., & Yoga, M. P. (2022). Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Perilaku Manajemen Keuangan Di Masyarakat. Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi Dan Bisnis, 11(1), 80–91. https://doi.org/10.56486/kompleksitas.vol11no1.220
Rahmawati, I. D., & Nasih, M. (2022). Pengaruh Lifestyle, Computer Self Efficacy, Persepsi Manfaat, Dan Risiko Terhadap Minat Menggunakan Sia Berbasis E-Commerce. EKUITAS (Jurnal Ekonomi Dan Keuangan), 6(3), 417–435. https://doi.org/10.24034/j25485024.y2022.v6.i3.5258
Ricky, R. D. M., Kawung, E., & Goni, S. Y. V. . (2021). Dampak Aplikasi Belanja Online (Online Shop) di Masa Pandemi Covid-19 Terhadap Minat Belanja Masyarakat di Kelurahan Girian Weru Ii Kecamatan Girian Kota Bitung Provinsi Sulawesi Utara. Jurnal Ilmiah, 1(ilmiah), 1. https://ejournal.unsrat.ac.id/index.php/jurnalilmiahsociety/article/view/36087/33605
Saputri, O. B. (2020). Preferensi Konsumen Dalam Menggunakan Quick Response Code Indonesia Standard (QRIS) Sebagai Alat Pembayaran Digital. Journals of Economics and Business Mulawarman, 17(2), 1–11.
Sari, R. K. (2016). Kecenderungan Perilaku Compulsive Buying Pada Masa Remaja Akhir di Samarinda. Psikoborneo: Jurnal Ilmiah Psikologi, 4(1), 1–9. https://doi.org/10.30872/psikoborneo.v4i1.3923
Sevima, S. (2022). Pemanfaatan Teknologi Informasi dalam pendidikan Masa Kini. Available at: https://sevima.com/pemanfaatan-teknologi-informasi-dalam-pendidikan-masa-kini/ (Accessed: February 15, 2023).
Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020). Implementasi Sistem Pembayaran Quick Response Indonesia Standard Universitas Sumatera Utara (1)(2)(3). Jurnal Manajemen Bisnis, 17(2), 287–297. http://journal.undiknas.ac.id/index.php/magister-manajemen/
Syafitri, M. N., & Latifah, F. N. (2023). Fintech Peer To Peer Lending Berbasis Syariah Sebagai Alternatif Permodalan UMKM Sidoarjo. 9(01), 1438–1447.
Syafrina, A. E., & Irwansyah. (2018). ANCAMAN PRIVASI DALAM BIG DATA PRIVACY THREATS IN BIG DATA. Jurnal Penelitian Komunikasi Dan Opini Publik, Vol. 22 No, 132–143.
Wardani, A.S. (2023). 422 juta data Pengguna Dicuri sepanjang 2022, liputan6.com. Liputan6. Available at: https://www.liputan6.com/tekno/read/5191074/422-juta-data-pengguna-dicuri-sepanjang-2022 (Accessed: February 15, 2023).
Widodo, T., & Qurniawati, R. S. (2017). Pengaruh Ketergantungan Pada Smartphone Dan Sikap Terhadap Perilaku Pembelian Online Pada Mahasiswa. Among Makarti, 9(2), 99–122. https://doi.org/10.52353/ama.v9i2.141
Wozniak, T., Schaffner, D., Stanoevska-slabeva, K., & Lenz-kesekamp, V. (2017). Information and Communication Technologies in Tourism 2017. Information and Communication Technologies in Tourism 2017. https://doi.org/10.1007/978-3-319-51168-9
License
Copyright (c) 2023 Yoesrizal Muhammad Yoesoef
This work is licensed under a Creative Commons Attribution 4.0 International License.
Downloads
How to Cite
