THE INFLUENCE OF PERCEPTION OF BENEFITS, PERCEPTION OF EASE OF USE, AND PERCEPTION OF RISK ON THE DECISION TO USE QRIS ELECTRONIC MONEY VIEWED FROM AN ISLAMIC PERSPECTIVE

This research aims to analyze and find out how perceived benefits, perceived ease of use, and perceived risks influence the people of Malang City who use QRIS electronic money. This research is quantitative and correlational research which is explained using numbers and has relationships. This research has a sample of 105 QRIS electronic money users in Malang City. The data collection process begins with distributing questionnaires, the data analysis process begins by using a content and criteria validity testing process. Next, carry out various kinds of classical assumption tests which include normality tests, multicollinearity tests, heteroscedasticity tests, R2 and partial t and F hypothesis tests simultaneously using SPSS 25 software. The data analysis technique used is multiple linear regression analysis. The research results show that (1) perceived benefits have a positive and significant influence on the decision to use QRIS electronic money (2) perceived ease of use has a positive and significant influence on the decision to use QRIS electronic money, (3) perceived risk has no positive and insignificant influence on the decision to use QRIS electronic money.