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The Effect of Digital Financial Literacy, Perceived Enjoyment, Self-Efficacy and Social Influence on Intention to Use QRIS Payment.

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Název: The Effect of Digital Financial Literacy, Perceived Enjoyment, Self-Efficacy and Social Influence on Intention to Use QRIS Payment.
Autoři: Ramba, Alvyonitha Ratu1, Pontoh, Grace T.1, Sundari, Sri1
Zdroj: Review of Integrative Business & Economics Research. 2025, Vol. 14 Issue 4, p155-173. 19p.
Témata: *FINANCIAL literacy, *COMPUTER literacy, DIGITAL literacy, SOCIAL influence, STRUCTURAL equation modeling, JUDGMENT sampling, LITERACY
Abstrakt: QRIS is a new fintech product issued by Bank Indonesia. This study aims to analyze students' intentions to use QRIS, influenced by digital financial literacy, perceived enjoyment, selfefficacy, and social influence. The study employs purposive sampling techniques, collecting data from 508 students at five universities in Makassar. Our data analysis uses Structural Equation Modeling (SEM) with Partial Least Squares (PLS). The results show that the intention to use QRIS payment is positively related to: digital financial literacy; perceived enjoyment; self-efficacy; and social influence. These factors are important components in shaping usage intentions, and therefore can be considered in enhancing digital financial transaction services in the future. [ABSTRACT FROM AUTHOR]
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Abstrakt:QRIS is a new fintech product issued by Bank Indonesia. This study aims to analyze students' intentions to use QRIS, influenced by digital financial literacy, perceived enjoyment, selfefficacy, and social influence. The study employs purposive sampling techniques, collecting data from 508 students at five universities in Makassar. Our data analysis uses Structural Equation Modeling (SEM) with Partial Least Squares (PLS). The results show that the intention to use QRIS payment is positively related to: digital financial literacy; perceived enjoyment; self-efficacy; and social influence. These factors are important components in shaping usage intentions, and therefore can be considered in enhancing digital financial transaction services in the future. [ABSTRACT FROM AUTHOR]
ISSN:24146722