What type of study is this?

This is a Quantitative Study study.

September 16, 2025

Adoption of QRIS digital payment in Indonesia and Malaysia: A technology acceptance and knowledge perspective

Key Points

Perceived ease of use and perceived usefulness significantly influence the intention to use QRIS, enhancing digital payment adoption.
Cultural intelligence acts as a mediating construct, facilitating technology acceptance among users in multicultural settings.
Trust plays a comparatively weaker role in influencing QRIS adoption, highlighting other key factors at play.
Using SEM-PLS for analysis of 400 user surveys provides robust insights to inform digital financial inclusion strategies.

Abstract

This study explores the adoption of QR-based digital payment systems, focusing on the Quick Response Code Indonesian Standard (QRIS), through the integration of the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), with Cultural Intelligence (CI) as a mediating construct. Based on survey data from 400 users in Indonesia and Malaysia, analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS), the findings show that Perceived Ease of Use and Perceived Usefulness significantly influence both CI and the intention to use QRIS. In contrast, Trust plays a comparatively weaker role. Framed within the Mode 2 Knowledge Production paradigm, QRIS is conceptualized as a dynamic socio-technical infrastructure shaped by user experience, social learning, and cultural adaptation. This study contributes to innovation adoption theory and offers practical guidance for advancing digital financial inclusion in multicultural Southeast Asian contexts.

Mark Helpful

Bookmark

Relay