Ishthifa'iyah, Ishthifa'iyah (2026) PENGARUH KEPERCAYAAN, PERSEPSI RISIKO, DAN EFEKTIVITAS SISTEM TERHADAP INTENSITAS PENGGUNAAN QRIS PADA GENERASI Z DI KABUPATEN GRESIK. Undergraduate thesis, UPN Veteran Jatim.
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Abstract
The development of digital payment systems in Indonesia has driven the increasing use of the Quick Response Code Indonesian Standard (QRIS) as a practical and efficient cashless payment method. Along with the growing adoption of digital payment technology, it has become increasingly important to examine the factors influencing the intensity of QRIS usage. This study aims to analyze the influence of trust, perceived risk, and system effectiveness on the intensity of QRIS usage among Generation Z in Gresik Regency. This study employed a quantitative approach, with data collected through questionnaires distributed to 100 QRIS users. The collected data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The results indicate that trust and perceived risk significantly influence the intensity of QRIS usage, whereas system effectiveness is not the primary determining factor. These findings suggest that psychological factors, particularly trust, play a more prominent role than technical system factors in encouraging the use of QRIS. Therefore, strengthening users' trust and enhancing education on digital transaction security should continue to be prioritized to support the sustainable use of QRIS.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance | ||||||||
| Divisions: | Faculty of Economic and Business > Departement of Accounting | ||||||||
| Depositing User: | Ishthi fa'iyah Ishthifa'iyah | ||||||||
| Date Deposited: | 06 Jul 2026 07:18 | ||||||||
| Last Modified: | 06 Jul 2026 08:01 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/54662 |
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