Adoption of QRIS Payment System by Generation Z: Technology Acceptance Model (TAM) Approach

The adoption of QRIS as a digital payment option has surged significantly, particularly among Generation Z. This research seeks to analyze how factors from the Technology Acceptance Model (TAM) influence Generation Z's adoption of QRIS in Surabaya. A quantitative method was utilized with a purposive sampling technique, engaging 170 participants, and data analysis was conducted using SmartPLS 4.0. The study's findings show that Perceived Ease of Use affects Perceived Usefulness and Attitude Toward Using. Additionally, Perceived Usefulness influences Attitude Toward Using and Behavioral Intention to Use, while Attitude Toward Using affects intention, and intention affects actual use. These results enhance the significance of perceived convenience and utility in promoting the adoption of digital payment technology.