IDEAS home Printed from https://ideas.repec.org/h/spr/advbcp/978-94-6239-656-2_14.html

The Influence of Financial Literacy, Perceived Ease, Perceived Security, Perceived Benefits, and Trust on Gen Z’s Decision to Use QRIS

In: Proceedings of the 4th International Conference on Management and Business (ICoMB 2025)

Author

Listed:
  • Aleandra Rizki Berlian

    (Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics)

  • Ratih Kusumawardhani

    (Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics)

Abstract

The objective of this research is to examine how financial literacy, per-ceived usability, perceived security, perceived convenience of use, and per-ceived trust affect Generation Z’s decision to utilize the Indonesian Standard Quick Response Code (QRIS). The rise in QRIS use among Gen-Z is an indication of the transformation of financial behavior driven by the development of digital technology. This study takes a quantitative approach, surveying 100 Generation Z respondents in Yogyakarta. Multiple linear regression was used in SPSS to evaluate the data. The findings indicate that financial literacy and perceived utility have a large positive effect on the decision to use QRIS, but perceived ease of use, perceived security, and trust have a positive but small effect. These results are expected to contribute to the development of policies and strategies to improve digital financial literacy among the younger generation.

Suggested Citation

  • Aleandra Rizki Berlian & Ratih Kusumawardhani, 2026. "The Influence of Financial Literacy, Perceived Ease, Perceived Security, Perceived Benefits, and Trust on Gen Z’s Decision to Use QRIS," Advances in Economics, Business and Management Research, in: Johannes Maysan Damanik & Md. Mahmudul Alam & Suddin Lada (ed.), Proceedings of the 4th International Conference on Management and Business (ICoMB 2025), pages 180-190, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6239-656-2_14
    DOI: 10.2991/978-94-6239-656-2_14
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:advbcp:978-94-6239-656-2_14. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.