Factors Influencing The Decision To Use The Quick Response Code Indonesia Standard (Qris) Among Micro, Small, And Medium Enterprises (Msmes) In Bengkulu City

Abstract

This study aims to analyze the factors influencing the decision to use the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) in Bengkulu City. The research focuses on two main variables derived from the Technology Acceptance Model (TAM), namely perceived usefulness and perceived ease of use. The study employs a quantitative approach with a descriptive method. Data were collected from 75 MSME respondents through questionnaires and analyzed using SPSS version 25, including validity, reliability, multiple linear regression, t-test, F-test, and determination coefficient (R²) analyses.The results show that both perceived usefulness and perceived ease of use have a positive and significant effect on the decision to use QRIS, either partially or simultaneously. The regression equation obtained is Y = 6.119 + 0.491X₁ + 0.395X₂, with a determination coefficient (R²) of 0.555, indicating that 55.5% of the variation in QRIS usage decisions is explained by these two variables. This study concludes that the higher the perceived usefulness and ease of use, the greater the likelihood of MSMEs adopting QRIS as a digital payment method, supporting the validity of the Technology Acceptance Model in the context of financial technology adoption among MSMEs.