Analysis of Determinants of QRIS Use with Financial Literacy as Moderation (Case Study at PPTQ Nurul Huda Malang)

This study aims to analyse the determinants of QRIS usage with financial literacy as moderation (case study at PPTQ Nurul Huda Malang). This research uses quantitative methods, and the sampling uses saturated sampling techniques with 100 respondents. Data collection using questionnaire distribution. The analysis tool uses SmartPLS (Partial Least Square) software The findings of this study reveal that the variables of ease, usefulness, and financial literacy significantly influence the decision to use QRIS at PPTQ Nurul Huda. However, it was found that financial literacy does not weaken or strengthen (does not act as a moderating variable) the effect of ease and usefulness on the decision to use QRIS.