Influence of digital security, digital literacy, and financial literacy on QRIS usage intention moderated by perceived ease of use
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This study aims to analyze the influence of digital security, digital literacy, and financial literacy on the intention to use QRIS (Quick Response Code Indonesian Standard), with perceived ease of use as a moderating variable. The study is motivated by the importance of adopting digital payment systems amidst the rapid growth of Indonesia's digital economy. A quantitative method was employed through the distribution of questionnaires to 200 respondents who are users of digital financial services, and the data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results indicate that digital security and financial literacy have a positive and significant effect on the intention to use QRIS, whereas digital literacy does not show a significant effect. Additionally, perceived ease of use significantly moderates the relationship between digital security and digital literacy with usage intention, but does not act as a moderator for the relationship between financial literacy and usage intention. This study fills a gap in understanding the integrated roles of digital security, digital literacy, and financial literacy, particularly with respect to the moderating effect of perceived ease of use, which has been underexplored in previous QRIS adoption research. These findings highlight the importance of digital literacy and financial literacy in enhancing the adoption of QRIS. Therefore, it is recommended that the government, financial institutions, and QRIS service providers strengthen education on digital and financial literacy and continuously improve the ease-of-use features to increase public interest in using QRIS widely.
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