The Influence of Perceived Convenience, Usefulness, Comfort and Financial Literacy on Interest in QRIS Digital Payments (Study on Semarang State Polytechnic Lecturers)

This study examines the effects of perceived ease of utilisation, convenience, satisfaction, and monetary education on students intrigued in utilizing QRIS advanced installments among lecturers at Politeknik Negeri Semarang. Using a quantitative approach with AMOS for structural equation modeling, data were collected through surveys and analyzed for validity, reliability, and model fit. The findings reveal that perceived ease of use, usefulness, and enjoyment significantly influence interest in QRIS adoption, while financial literacy shows no significant effect. Data were observed from September 2023, showing a strong adoption trend. These results highlight the importance of user-friendly technology and perceived value in increasing digital payment adoption, suggesting strategies for improving financial literacy to enhance broader acceptance.