Evaluating the Application of the Theory of Planned Behavior in Predicting QRIS Adoption Among Indonesian University Students

The use of digital-based transactions in Indonesia continues to increase; however, the adoption of QRIS as the national payment standard still faces challenges among university students. Despite being predominantly digital natives with high potential to adopt payment technologies such as QRIS, students’ actual usage remains suboptimal. Several previous studies have employed various technology adoption theories to explain similar phenomena, utilizing a range of theoretical approaches. This study develops a conceptual model based on the Theory of Planned Behavior (TPB) to identify the predictors influencing students’ intention to use QRIS. Drawing from a literature review, this study aims to evaluate the relationship between key TPB constructs—attitude, subjective norm, and perceived behavioral control—and students’ intention to use QRIS. The proposed model is expected to serve as a foundation for future empirical research and to inform the development of more effective strategies for increasing QRIS adoption among university students.