Determinants of QRIS Usage among Students of the Faculty of Economics, Widya Mataram University

Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived risk, and social influence, both partially and simultaneously, on QRIS usage among students of the Faculty of Economics, Widya Mataram University. The study was conducted at the Faculty of Economics, Widya Mataram University, Yogyakarta, from October 2025 to January 2026. The research subjects were students from the Management, Accounting, and Entrepreneurship study programs, selected using a purposive sampling technique. Primary data were collected through the distribution of a closed-ended questionnaire using a five-point Likert scale. The research instrument was developed based on the Technology Acceptance Model (TAM) and the Unifieendy of Acceptance and Use of Technology (UTAUT) and was tested for validity using Corrected Item–Total Correlation and reliability using Cronbach’s Alpha, with a minimum value of 0.70. The data were analyzed using multiple linear regression analysis, preceded by classical assumption tests. Hypothesis testing was conducted using the t-test, F-test, and coefficient of determination (R²). Data analysis was performed using the Statistical Package for the Social Sciences (SPSS) software. The results of the study indicate that perceived risk and social influence have a significant effect on QRIS usage behavior among students of the Faculty of Economics, Widya Mataram University. Meanwhile, perceived usefulness and perceived ease of use do not have a significant effect. Simultaneously, all research variables influence QRIS usage behavior.