THE EFFECT OF EASE OF USE, KNOWLEDGE, EFFECTIVENESS, CREDIBILITY, AND ACCOUNTABILITY ON UNIVERSITY STUDENTS’ DECISIONS TO USE QRIS IN PALEMBANG

Abstract

This study aims to analyse the effect of convenience, knowledge, effectiveness, credibility, and accountability on student decisions in using QRIS (Quick Response Code Indonesian Standard) as a digital payment method. The research was conducted in Palembang City using a quantitative approach and data collection techniques through questionnaires distributed to 100 university students. The results showed that all independent variables significantly affected the decision to use QRIS. The ease of use of QRIS contributes to student convenience, although there are obstacles to accessibility. Students' knowledge of QRIS is relatively high, but not evenly distributed regarding operational capabilities. Effectiveness is rated positively, even though there are still obstacles to transaction speed. Students trust the credibility of QRIS service providers, but there is a need to increase the transparency of the security system. Accountability in transaction reporting is considered good, but needs to be strengthened. These findings strengthen the TAM and UTAUT models in the context of digital payment technology adoption by the younger generation in Indonesia.