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Digital Payment During Pandemic: An Extension of The Unified Model of QR Code

Author

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  • Ayatulloh Michael Musyaffi
  • Razana Juhaida Johari
  • Ida Rosnidah
  • Dewi Agustin Pratama Sari
  • Muhammad Ihlashul Amal
  • Innaka Tasyrifania
  • Sekar Ayu Pertiwia
  • Febe Dwi Sutanti

Abstract

QR Code Indonesian Standard (QRIS) is a digital payment system using a QR code that officially regulated in 2020. However, during the implementation of QRIS, there were still several problems, including security and data problems. The balance at the transaction time was not truncated, misuse of data, and application errors when scanning QR codes. This study aims to determine the factors that affect the acceptance of digital payments using QRIS. Especially those related to gaps in problems and research by combining the theory of acceptance and use of technology (UTAUT) and other variables that are also a problem in applying digital payments Security and Trust. The target population of this study is all digital payment users who use QRIS. Through the convenience sampling method, with a sample of 205 respondents. The questionnaire is distributed through an online questionnaire with Microsoft form. After that, the data will be evaluated using the Structural Equation Model (SEM) - Partial Least Square (PLS). The study results show that security as a reference is fundamental for users to increase their intention to use QR codes. Meanwhile, other components such as performance expectations and trust have proven to be essential components in initiating the intention to use digital payments using QR Code. However, not all variables from UTAUT have a significant impact, such as effory expectations. This is because an essential point in using digital payments using QR codes, especially during a pandemic, requires more security and productivity

Suggested Citation

  • Ayatulloh Michael Musyaffi & Razana Juhaida Johari & Ida Rosnidah & Dewi Agustin Pratama Sari & Muhammad Ihlashul Amal & Innaka Tasyrifania & Sekar Ayu Pertiwia & Febe Dwi Sutanti, 2021. "Digital Payment During Pandemic: An Extension of The Unified Model of QR Code," Academic Journal of Interdisciplinary Studies, Richtmann Publishing Ltd, vol. 10, November.
    • Handle: RePEc:bjz:ajisjr:2154
    DOI: https://doi.org/10.36941/ajis-2021-0166
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    References listed on IDEAS

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    1. Merhi, Mohamed & Hone, Kate & Tarhini, Ali, 2019. "A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust," Technology in Society, Elsevier, vol. 59(C).
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    1. Khwanjira Ponsree & Phaninee Naruetharadhol, 2025. "Unveiling the determinants of alternative payment adoption: exploring the factors shaping generation Z’s intentions in Thailand," International Entrepreneurship and Management Journal, Springer, vol. 21(1), pages 1-34, December.
    2. Budi Setiawan & Dien Triana & Ummu Salma Azizah & Andi Sri Wahyuni & Vijay Victor & Robert Jeyakumar Nathan & Maria Fekete-Farkas, 2025. "Financial technology (Fintech) innovation and financial inclusion: comparative study of urban and rural consumers post-Covid-19 pandemic," Journal of Innovation and Entrepreneurship, Springer, vol. 14(1), pages 1-28, December.

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