PERSEPSI MANFAAT, RISIKO, DAN KEPERCAYAAN SEBAGAI DETERMINAN KEPUTUSAN PENGGUNAAN FINANCIAL TECHNOLOGY

The purpose of this study is to analyze how the influence of perception of benefits, ease of use, risks, and trust on the decision to use financial technology (Fintech) on QRIS users in Kendari City. The data used in this study is primary data in the form of a questionnaire using multiple regression analysis processed using SPSS 26. The results of the study prove that simultaneously the perception of benefits, ease of use, risks, and trust has a significant effect on the decision to use financial technology in QRIS users in Kendari City. Meanwhile, partially, the benefit perception variable has a significant effect on the decision to use fintech, the variable of perception of ease of use has a significant effect on the decision to use fintech, the variable of risk perception has a significant effect on the decision to use fintech and the variable of trust has a significant effect on the decision to use fintech.