Pengaruh Tingkat Literasi Keuangan Dan Persepsi Kemanfaatan Terhadap Keputusan Generasi Z Dalam Menggunakan QRIS Pada Mahasiswa D-III Fakultas Vokasi Universitas Sumatera Utara

Abstract

This study aims to analyze the Influence of Financial Literacy, Perception of Usefulness on Generation Z's Decision in Using QRIS in D-III Students of the Vocational Faculty of the University of North Sumatra. This study uses two independent variables, namely financial literacy and perception of utility, while the dependent variable is the decision of QRIS users. The method used is a quantitative method with an associative approach. The data used were primary data taken using a questionnaire with a guttman scale. The sample of this study is 96 respondents from 14 D-III study programs of the Vocational Faculty of the Universitas Sumatera Utara. The sampling techniques used were purposive sampling and data analysis using multiple linear regression analysis. The result of this study is that partially financial literacy affects the decision of QRIS users. In addition, the perception of benefits partially has a positive and significant influence on the decisions of QRIS users. Simultaneously, financial literacy and perception of usefulness affect the decision of QRIS users.