The Influence of Financial Literacy, Perceived Benefits, and Perceived Ease of Use on QRIS Usage Decision among Students in DKI Jakarta with Trust as a Mediating Variable.

Kirayna Evitasari Kirayna Evitasari; Nelvina Ivana; Osly Usman

Kirayna Evitasari Kirayna Evitasari Universitas Negeri Jakarta
Nelvina Ivana Universitas Negeri Jakarta
Osly Usman Universitas Negeri Jakarta

Keywords: Financial Literacy, Perceived Usefulness, Perceived Ease of Use, Usage Decision, Trust, QRIS

Abstract

This study aims to determine the influence of financial literacy, perceived benefits, perceived ease of use on usage decisions mediated by trust in the Indonesian Standard Quick Response (QRIS) transaction service among students in DKI Jakarta. The sample size in this study consists of 102 student respondents in DKI Jakarta who conduct transactions with QRIS. The chosen sampling method is purposive sampling. The independent variables in this study are financial literacy, perceived benefits, and perceived ease of use. The dependent variable in this study is the usage decision, while the mediating variable in this study is trust. The study employs data analysis using partial least squares (PLS) through the SmartPLS version 4.0 software application.