Background QRIS adoption in Indonesia is part of the broader digital economic transformation aimed at improving financial inclusion and transaction efficiency. However, QRIS usage remains uneven across communities, particularly between urban and rural areas. Barriers such as limited digital literacy, inadequate infrastructure, low trust, and reliance on cash-based transactions continue to affect QRIS adoption. This study examines QRIS adoption through the Technology Acceptance Model (TAM), focusing on perceived usefulness, perceived ease of use, and actual system use. Method This study employed a quantitative survey design. Data were collected from 228 respondents in Yogyakarta, Indonesia, using an online questionnaire distributed through WhatsApp and Instagram. The study measured three TAM constructs: Perceived Usefulness, Perceived Ease of Use, and Actual System Use. Data were analyzed using Structural Equation Modeling with SmartPLS 3 to test the measurement model and structural model. Results The findings showed that both Perceived Usefulness and Perceived Ease of Use significantly influenced Actual System Use. Perceived Usefulness had the strongest effect on QRIS adoption, with a path coefficient of 0.534, t-statistic of 6.924, and p-value of 0.000. Perceived Ease of Use also had a significant effect, with a path coefficient of 0.382, t-statistic of 4.863, and p-value of 0.000. The findings also revealed disparities in QRIS adoption between urban and rural respondents, where urban respondents showed higher adoption due to better infrastructure and digital literacy. Conclusions QRIS adoption is influenced not only by technological factors but also by educational, cultural, and infrastructural readiness. The study confirms that perceived usefulness is the strongest predictor of QRIS usage. Therefore, efforts to increase QRIS adoption should emphasize digital literacy, trust-building, localized education, and inclusive access to digital infrastructure.
Rozi et al. (Sat,) studied this question.