Factors Influencing Gen Zs QRIS Feature Acceptance on E-wallet at Merchants Payment Transaction in Bandung via the Extended UTAUT2 Model
Trracy Nancy (a*), Achmad Herlanto Anggono (b)

a) School of Business and Management, Institut Teknologi Bandung
Jalan Ganesha 10, Bandung 40132, Indonesia
*trracy_nancy[at]sbm-itb.ac.id
b) Institut Teknologi Bandung
Jalan Ganesha 10, Bandung 40132, Indonesia

Abstract

As a developing country, Indonesia aims to increase people^s welfare and encourage national development through several sectors, including the economy. To achieve this goal, Bank Indonesia (2014) announced the National Non-Cash Movement (GNNT) as an action to increase the adoption of digital technology. Indicators that can be used as a reference for the success of this movement are the level of financial literacy and financial inclusion of the Indonesian people. Focusing on financial inclusion, the first necessary step is equal access to creating transaction accounts due to their function to store, send and receive payments (The World Bank, 2022). According to data from the World Bank Global Findex Database (2021), only 51.76% of Indonesians have a bank account (age 15+), while in East Asia & Pacific, it is 82.85%.
Given that the usage level of the payment system influences the GNNT, this research aims to identify the most prominent and significant factors influencing the intention to adopt QRIS with a specifically targeted respondent, generation Z in Bandung. Knowing this allows the significant factors to be evaluated and addressed as a concern to strengthen the GNNT. Coming from UTAUT2 as the research foundation. This research also adds two independent variables, Perceived Security and Trust. With a sample of 236 respondents, the statistical result shows that Habit has the most significant effect on users^ behavioral intention to adopt the QRIS feature. Other findings from this conducted research are Habit and Behavioral Intention influences Actual Usage, and Trust influences Behavioral Intention.

Keywords: QRIS- E-wallet- Generation Z- Extended UTAUT2

Topic: Financial