PENGARUH PERSEPSI KEMUDAHAN DAN PERSEPSI MANFAAT TERHADAP MINAT MAHASISWA MENGGUNAKAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL

The Quick Response Code Indonesian Standard (QRIS) has become a national digital payment standard, and university students are among its most active potential users. This study examines the effect of perceived ease of use and perceived usefulness on students’ intention to use QRIS based on the Technology Acceptance Model. A quantitative survey design was applied, and data were collected through an online questionnaire with a five-point Likert scale from 66 active students of Universitas Malikussaleh who had used QRIS, selected by purposive sampling. The data were analysed using validity and reliability tests, classical assumption tests, and multiple linear regression. All items were valid and all variables were reliable. Perceived ease of use had a positive and significant effect on intention to use QRIS (p = 0.002), and so did perceived usefulness (p = 0.019). Simultaneously, both variables had a significant effect (F = 25.483; p < 0.001) and explained 43.0% of the variance in intention to use, with perceived ease of use as the dominant factor. However, the effect of perceived usefulness was not significant when heteroscedasticity-robust standard errors were applied, so this result should be interpreted with caution.