Pengaruh Perceived Ease of Use, Perceived Usefulness, Perceived Risk, Perceived Trust, Perceived Security terhadap Intention to Use Mobile Payment (Studi terhadap Penggunaan QRIS pada Aplikasi Dana)

Abstract

This study investigates the factors influencing the intention to use mobile payment, specifically focusing on the usage of Quick Response Code Indonesian Standard (QRIS) within the DANA application, among undergraduate accounting students at the Faculty of Economics and Business, Universitas Sumatera Utara (FEB USU). The research examines the effects of perceived ease of use, perceived usefulness, perceived risk, perceived trust, and perceived security on the intention to use mobile payment. A quantitative approach was employed, utilizing survey online questionnaires distributed to 300 undergraduate accounting students. The data were analyzed using JASP statistical application. Statistical techniques such as regression analysis to determine the relationships between the variables. The results indicate that all the examined variables, including perceived ease of use, perceived usefulness, perceived risk, perceived trust, and perceived security, have a significant influence on the intention to use mobile payment among undergraduate accounting students. These findings underscore the importance of user-centric factors in shaping the adoption and usage of mobile payment systems. This study contributes to the existing literature by providing insights into the factors influencing the intention to use mobile payment, particularly within the context of QRIS in the DANA application. The findings offer valuable implications for mobile payment service providers, policymakers, and researchers in understanding the dynamics of user behavior and facilitating the further development and adoption of mobile payment technologies.