What type of study is this?

This is a Quantitative Study study.

September 12, 2025

The Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Trust, and Perceived Risk on MSMEs' Interest in Using the Quick Response Code Indonesian Standard (QRIS) as Payment Method

Key Points

Perceived usefulness significantly influences SMEs' interest in adopting the QRIS payment method.
The study identified perceived ease of use as a key factor driving the adoption of QRIS among SMEs.
Perceived trust plays a crucial role in shaping SMEs' decision to utilize digital payment methods like QRIS.
Perceived risk negatively affects the willingness of SMEs to engage with QRIS, highlighting areas for improvement.

Abstract

This study aims to investigate and analyze the impact of perceived usefulness, perceived ease, perceived trust, and perceived risk on the interest of SMEs in Tangerang in using the QRIS payment method. The subjects of the study are SME owners in the area. The analysis method employed is causal study with a quantitative approach, based on the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). Primary data were collected through questionnaires and analyzed using Partial Least Squares (PLS) software with a Structural Equation Modeling (SEM) approach. The results indicate that perceived usefulness, perceived ease, perceived trust, and perceived risk significantly influence SMEs' interest in using QRIS.

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