THE EFFECT OF TECHNOLOGY READINESS IN THE USE OF QRIS OVO ON CHANGES IN TRANSACTION PATTERNS AT NON-ACE OFFLINE MERCHANTS

This study aims to analyze the effect of Technology Readiness on changes in transaction patterns at Non-Ace Offline Merchants who are using QRIS OVO. With the widespread adoption of digital payment systems, technology readiness is an important factor in understanding merchants' ability to integrate QRIS OVO into daily business activities. Data was collected through a survey of Non-Ace Offline Merchants in the Greater Jakarta area and analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM). The results show that technology readiness has a significant effect on changes in transaction patterns, characterized by increased frequency, volume, and variety of transactions. This study makes an important contribution to payment service providers and merchants in understanding the technology readiness factors that could influence transaction patterns.