Determinants of the Use of QRIS Application-Based Non-Cash Transactions for Consumers in Mataram City: An Application of the UTAUT 2 Model

Technological developments bring enormous changes to the transformation in digital finance, one of which is the change in the payment system, from cash to noncash. This change has an impact on the pattern of behavioral changes in both interactions between economic actors, as consumers and production factors. This change in consumer behavior needs to be studied to be able to find out the factors that influence the use of noncash transactions based on the QRIS application for consumers in Mataram City: An Application of the UTAUT 2 Model (Unified Theory of Acceptance And Use of Technology) so that policy makers can make interventions that can ultimately improve development performance. The type of research used is explanatory research with the data collection method used is the sample survey method and data collection techniques through the stages of literature study, observation and direct interviews. Based on the results of the study, it is known that variable performance expectations, social influence, and habits affect the use of QRIS, while variable business expectations, facilitating conditions, hedonic motivation, and price value have no effect on the u se of QRIS transactions. It is recommended that Bank Indonesia together with Bank financial institutions must continuously ensure through monitoring and evaluation that the use of QRIS as a non-cash payment instrument can accelerate transactions made by co nsumers in addition to the need for continuous dissemination carried out by Bank Indonesia to be able to change consumer behavior related to the use of non-cash transactions through the QRIS application.