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Quantitative analysis reveals push and pull factors significantly encourage switching to QRIS among Gen-Z, suggesting strategic improvements.
Decreased debit card users also accompany increased QRIS use in digital financial transactions. Adopting the BYOND by BSI QRIS feature among Gen-Z in the Ponorogo Regency is still not optimal. Even though QRIS offers convenience, efficiency, and security in transactions. This study aims to analyze the influence of push, pull, and mooring factors on switching Intention from using BSI debit cards to QRIS BYOND by BSI. This study uses a quantitative approach. The data analysis technique used is Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the help of SmartPLS software version 3.2.9. The results showed that the push factor (X1) significantly positively affected Switching Intention (Y). The pull factor (X2) also has a significant positive impact on Switching Intention (Y). On the other hand, the Mooring factor (X3) significantly negatively impacts Switching Intention (Y). Pull Factor is the most dominant Factor in encouraging switching Intention to use BSI debit cards to QRIS BYOND by BSI
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Khasanah et al. (2025) studied this question.
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