PENGARUH PERSEPSI PENGETAHUAN, PERSEPSI KEMUDAHAN, DAN PERSEPSI SIKAP PENGGUNA TERHADAP KEPUTUSAN PENGGUNAAN QRIS PADA UMKM SEKTOR KULINER DI KOTA KUPANG-NTT

The current technological development is very rapid, especially in the payment system which makes it very easy for people to transact and shift the function of cash to non-cash, which is in line with the development of the use of non-cash payment instruments launched by Bank Indonesia, namely the Quick Response Code Indonesian Standard (QRIS) must receive more serious attention. The type of payment using QR codes makes payment transactions easier, faster and also safe for buyers and MSME actors. This study aims to find out how the Influence of Knowledge Perception, Perception of Convenience and Perception of User Attitude on the Decision to Use QRIS in MSMEs in the Culinary Sector in Kupang-East Nusa Tenggara City. This study uses an empirical quantitative research method by distributing questionnaires to the object of research, namely MSME actors in the Culinary Sector in Kupang-East Nusa Tenggara City who are using QRIS. This study uses primary data, namely through a questionnaire using a likert scale with a sample of 100 respondents. Based on the results of hypothesis testing, the tcal value for the Knowledge Perception variable (X1) is equal to the tcal. And then the data is processed with the SPSS version 26 application. The results of this study partially show that Knowledge Perception, Perception of Convenience have no effect on the Decision to Use QRIS. As for the perception of user attitudes that have a positive and significant effect, MSMEs see that QRIS provides direct benefits, such as increasing sales, accelerating the payment process, or attracting more consumers who prioritize digital transactions, they will be more encouraged to use QRIS. In addition, MSMEs often need a fast and cost-effective way to pay. If the perception of users' attitudes towards QRIS is as a method that speeds up the transaction process without high costs, they will be more likely to choose QRIS as the primary payment option. Keywords: Knowledge, Convenience, User Attitude, Decision, QRIS.