Acceptance Of Financial Technology Based On Digital Payment Among Msmes Using Qris In Bengkulu: A Unified Theory Of Acceptance and Use Of Technology 2 (Utaut 2) Approach

One of the digital strategies used by MSMEs is digital payments to help transaction activities in their business. Bank Indonesia with the Indonesian Payment System Association (ASPI) on August 17, 2019 launched an Indonesian standard QR Code, namely Quick Response Code Indonesian Standard (QRIS). This study aimed to examine the effect of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Hedonic Motivation and Price Value, Habit on Behavior Intention of digital payment QRIS based on the theory of Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2). The population used in this study is all assisted MSME owners and partners of Bank Indonesia Representative Office of Bengkulu Province and the sample used is MSME owners who use QRIS in their business. The analysis tool used in this study is SmartPLS 318 | Sesilya Kempa, Fransisca Angelica Liemena 4.0 with the SEM-PLS model. The results showed that Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Habit had a positive effect on Behavior Intention. While Hedonic Motivation and Price Value have no effect on Behavior Intention. The findings in this study contribute to providing empirical evidence of the digital payment system acceptance analysis model with QRIS applied to MSMEs in Bengkulu. This research can add research references in the field of digital payment systems, especially in the development of technology acceptance models and information systems Unified Theory of Acceptance and Use of Technology (UTAUT) 2 so that it can be used as material for subsequent research.