Pengaruh Persepsi Manfaat, Persepsi Kemudahan, dan Risiko Terhadap Minat Pengguna Qris Sebagai Alat Pembayaran Di Kalangan Masyarakat Medan

Abstract

Today's technological developments have increased, especially in the field of information and communication technology. Limitations in payment transaction activities that cause the formation of an innovation that can change and facilitate transaction activities. One way of transaction using QRIS. The purpose of issuing QRIS is to simplify payment transactions. Many benefits and conveniences are offered when using QRIS but there are risks that are taken into consideration in using QRIS. This study aims to analyze the effect of perceived benefits, perceived convenience and risk on interest in using QRIS as a means of payment among the Medan community both partially and simultaneously. The form of research used in this study is quantitative research with an associative approach. Sampling uses Multi-Stage sampling technique and uses 100 respondents as a sample. Primary data used in this study were obtained by distributing questionnaires conducted directly and using google form while secondary data were obtained through literature studies. The data analysis methods used are validity test, reliability test, classical assumption test, multiple linear regression analysis, and hypothesis testing. The research conducted shows that the variables of perceived benefits (X1) and perceived convenience (X2) have a positive and significant effect on interest in using QRIS. while risk (X3) has no effect on interest in using QRIS. However, the variables of perceived benefits (X1), perceived convenience (X2), and risk (X3) simultaneously affect the interest in using QRIS. The coefficient of determination test shows that there is a fairly close relationship between perceived benefits, convenience and risk of interest in using QRIS with an R value of 0.827. Through the adjusted R square value, it is also known that the perceived benefits, convenience and risk variables contribute 0.674 to the interest in using QRIS while the remaining 32,6% is influenced by other variables not discussed in this study.