In the modern era, technological developments have contributed to the formation of the concept of a cashless society. Quick Response Code Indonesian Standard payment (QRIS) is used explicitly in Indonesia as the newest innovation in the field of mobile payments, and merchants in various industries widely use it. However, even though statistically, Indonesia did complete its yearly goals of increasing cashless users compared to other developing countries, it still needed to manage to push to its limits. Therefore, this study investigates the factors that motivate merchants to accept QRIS payments through the extended mobile technology acceptance model. This study's quantitative data analysis method is obtained by distributing Google Forms questionnaires. The Final study sample consisted of a total of 291 data. The technique used in this research is non-probability sampling. This technique uses convenience sampling, which collects market research data from several available respondents, namely the micro-merchants that use the QRIS payment application in Batam City. The collected data used is partial least squares for analysis. Based on the test results, it can be concluded that mobile ease of use, usefulness, and perceived cost are crucial aspects that significantly positively affect the intention to use QRIS payment.
Abebe, F., & Lessa, L. (2020). Factors affecting mobile payment adoption by merchants in factors affecting mobile payment adoption by merchants in Ethiopia Ethiopia, 12. Retrieved from https://digitalcommons.kennesaw.edu/acist
Alamoudi, H. (2021). Examining retailing sustainability in the QR code-enabled mobile payments context during the COVID-19 pandemic. International Journal of Customer Relationship Marketing and Management, 13(1), 1–22.
https://doi.org/10.4018/ijcrmm.289210
Altwairesh, R., & Aloud, M. (2021). Mobile Payments from merchants’ perspective: An empirical study using the TAM model in Saudi Arabia. IJCSNS International Journal of Computer Science and Network Security, 21(8), 317.
https://doi.org/10.22937/IJCSNS.2021.21.8.41
Au, Y. A., & Kauffman, R. J. (2008). The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7(2), 141–164.
https://doi.org/10.1016/j.elerap.2006.12.004
Balakrishnan, V., & Shuib, N. L. M. (2021). Drivers and inhibitors for digital payment adoption using the cashless society readiness-adoption model in Malaysia. Technology in Society, 65. https://doi.org/10.1016/j.techsoc.2021.101554
Benbasat, I., & Barki, H. (2007). Quo vadis, TAM?
Brown, S., Venkatesh, V., & Bala, H. (2006). Household technology use: Integrating household life cycle and the model of adoption of technology in households. Information Society, 22(4), 205–218. https://doi.org/10.1080/01972240600791333
Capgemini. (2018). World Payments Report 2018.
Capgemini. (2019). World Payments Report 2019. Retrieved from
www.worldpaymentsreport.com.
Chuttur, M. (2009). Overview of the technology acceptance model: Origins, developments and future directions. Working Papers on Information Systems, 9(37).
Davis, F. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. Management & Data Science, 13(3), 318–340. https://doi.org/10.36863/mds.a.14027
Mat, D. N. (2019). Factors influencing consumers intention to use QR code mobile Payment-A Proposed Framework.
Fornel, C., & Larcker, David f. (1981). Evaluating structural equation models with unobservable variables and measurement error.
Hayashi, F., & Bradford, T. (2014). Mobile payments: Merchants’ perspectives. Retrieved from www.KansasCityFed.org.
Ibrahim, M. H., Hussin, S. R., & Hussin, S. H. (2019). Factors influencing Malaysian consumers’ intention to use quick response (QR) mobile payment. Jurnal Pengurusan, 57. https://doi.org/10.17576/pengurusan-2019-57-02
Indonesian Government. (2021). Peraturan pemerintah Republik Indonesia Nomor 07 tahun 2021 tentang kemudahan, pelindungan, dan pemberdayaan koperasi dan usaha mikro, kecil, dan menengah. In peraturan pemerintah.
Khando, K., Islam, M. S., & Gao, S. (2023). The emerging technologies of digital payments and associated challenges: A systematic literature review. In Future Internet, 15(1). https://doi.org/10.3390/fi15010021
Kim, C., Tao, W., Shin, N., & Kim, K. S. (2010). An empirical study of customers’ perceptions of security and trust in e-payment systems. Electronic Commerce Research and Applications, 9(1), 84–95. https://doi.org/10.1016/j.elerap.2009.04.014
Kim, H. W., Chan, H. C., & Gupta, S. (2007). Value-based adoption of mobile internet: An empirical investigation. Decision Support Systems, 43(1), 111–126.
https://doi.org/10.1016/j.dss.2005.05.009
Kumari, N., & Khanna, J. (2017). Cashless payment: A behaviourial change to economic growth. International Journal of Scientific Research in Education, 2(2), 84-90.
Lai, P. C. (2017). Security as an extension to TAM model: Consumers’ intention to use a single platform E-payment. Asia-Pacific Journal of Management Research and Innovation, 13(3–4), 110–119. https://doi.org/10.1177/2319510x18776405
Lestari, M. I. (2023). Kesediaan micro merchants membayar biaya merchant discount rate dan biaya settlement QRIS. InFestasi, 19(1), 39–50.
https://doi.org/10.21107/infestasi.v19i1.19695
Lew, S., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2020). The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model. Technology in Society, 63. https://doi.org/10.1016/j.techsoc.2020.101430
Liébana-Cabanillas, F., Japutra, A., Molinillo, S., Singh, N., & Sinha, N. (2020). Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India. Telecommunications Policy, 44(9).
https://doi.org/10.1016/j.telpol.2020.102009
Liébana-Cabanillas, F., Ramos de Luna, I., & Montoro-Ríos, F. J. (2015). User behaviour in QR mobile payment system: The QR payment acceptance model. Technology Analysis and Strategic Management, 27(9), 1031–1049.
https://doi.org/10.1080/09537325.2015.1047757
Lin Chen-yang, & Xu Ni. (2021). Extended TAM model to explore the factors that affect intention to use AI robotic architects for architectural design. Technology Analysis & Strategic Management, 34(3), 349–362.
Listiawati, R., & Vidyasari, R. (2022). QRIS efficiency in improving digital payment transaction services for culinary micro-small and medium enterprises in Depok City. Operations Research: International Conference Series, 3(2), 67–73.
http://iorajournal.org/indx.php/orics/index
Masocha, R. (2018). Adoption of mobile money services and the performance of small and medium enterprises in Zimbabwe. In Academy of Accounting and Financial Studies Journal, 22(3).
Moghavvemi, S., Mei, T. X., Phoong, S. W., & Phoong, S. Y. (2021). Drivers and barriers of mobile payment adoption: Malaysian merchants’ perspective. Journal of Retailing and Consumer Services, 59. https://doi.org/10.1016/j.jretconser.2020.102364
Nabilah, D., & Sultan, B. (2023). Bank Indonesia policy in implementing a merchant discount rate of 0.3% of every QRIS e-payment in the Maqashid Sharia Perspective, 1(1).
Nadinta, P. S., & Kusumawati, N. (2023). Influence of QRIS payment customer satisfaction towards customer loyalty and continuity. Journal of Consumer Studies and Applied Marketing, 1(1), 61–66. https://doi.org/10.58229/jcsam.v1i1.52
Nikolopoulou, K., Gialamas, V., & Lavidas, K. (2021). Habit, hedonic motivation, performance expectancy and technological pedagogical knowledge affect teachers’ intention to use mobile internet. Computers and Education Open, 2, 100041.
https://doi.org/10.1016/j.caeo.2021.100041
Nunnally, J. C. (1978). An overview of psychological measurement. Clinical diagnosis of mental disorders: A handbook.
Nurhapsari, R., & Sholihah, E. (2022). Analysis of the factors of intention to use QRIS for MSMEs in Semarang City’s traditional market. Jurnal Ekonomi Modernisasi, 18(2), 199–211. https://doi.org/10.21067/jem.v18i2.7291
Oktavian, A. R., & Rumaisa, F. (2022). Penerapan business intelligence terhadap data penjualan UMKM (Foodendez) menggunakan metode algoritma apriori dalam menentukan segmentasi pasar. Jurnal Media Informatika Budidarma, 6(3), 1740. https://doi.org/10.30865/mib.v6i3.4338
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404–414.
https://doi.org/10.1016/j.chb.2016.03.030
Ooi, K. B., & Tan, G. W. H. (2016). Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card. Expert Systems with Applications, 59, 33–46. https://doi.org/10.1016/j.eswa.2016.04.015
Phan, K., Daim, T., Phan, K., & Daim, T. (2011). Exploring technology acceptance for mobile services. Journal of Industrial Engineering and Management, 4(2), 339–360. https://doi.org/10.3926/jiem.v4n2.p339-360
Satudata. (2023). Foodcourt in Batam. Retrieved from
https://Satudata.Batam.Go.Id/Data/Data.
Setiyono, T. A. (2021). Indonesian’s Acceptance of Non-Cash Transaction Using Qris.
Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020). Implementasi sistem pembayaran quick response Indonesia Standard Universitas Sumatera Utara (1)(2)(3), 17(2). Retrieved from http://journal.undiknas.ac.id/index.php/magister-manajemen/
Simeru, O. ake I., & Tanamal, R. (2020). Analisis faktor-faktor kebermanfaatan, kemudahan dan kepercayaan terhadap intensi penggunaan aplikasi UC student. Retrieved from http://Journal.Ubm.Ac.Id/Index.Php/Business -Management, 16(2), 97–112.
Singth, N., & Sinha, N. (2020). How Percecived trust mediates marchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services.
Sosyal, U., & Dergisi, A. (2016). Determinants of consumers’ adoption to shopping with QR code in Turkey türkiye’de tüketicilerin qr kod ile ali?veri?i benimsemesini etkileyen faktörler kemal eyübo?lu u?ur sevim. Retrieved from www.sosyalarastirmalar.com
Suheriadi. (2022, December 23). BI perpanjang relaksasi pengguna kartu kredit hingga 30 Juni 2023. Retrieved from https://Www.Fortuneidn.Com/Finance/Suheriadi/Bi-Perpanjang-Relaksasi Pengguna-Kartu-Kredit-Hingga-30-Juni-2023 .
Tew, H. T., Tan, G. W. H., Loh, X. M., Lee, V. H., Lim, W. L., & Ooi, K. B. (2022). Tapping the next purchase: Embracing the wave of mobile payment. Journal of Computer Information Systems, 62(3), 527–535. https://doi.org/10.1080/08874417.2020.1858731
Theodora, R., Kennard Derian, S. T., Syamsul, S. E., & Kom, S. (2019). Factors of merchant adoption QR code based payment systems: An empirical study of small and micro merchant in Jakarta. In Nina Ernawaty S.Pd (Vol. 7, Issue 4). www.ijournals.in
Tiara Imani, A., & Herlanto Anggono, A. (2020). Factors influencing customers acceptance of using the qr code feature in offline merchants for generation Z in Bandung (Extended UTAUT2). KnE Social Sciences. Retrieved from https://doi.org/10.18502/kss.v4i6.6670
Venkatesh, V., Smith, R. H., Morris, M. G., Davis, G. B., Davis, F. D., & Walton, S. M. (2003). User acceptance of information technology: Toward a unified view1.
Venkatesh, V., Walton, S. M., & Thong, J. Y. L. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. Retrieved from http://about.jstor.org/terms
Wiratmini, N. P. (2020, February 5). Implementasi QRIS: Merchant keluhkan biaya 0,7 persen. Retrieved from https://Finansial.Bisnis.Com/Read/20200205/90/1197655/Implementasi-Qris-Merchant-Keluhkan-Biaya-07-Persen
Yan, L. Y., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58. https://doi.org/10.1016/j.jretconser.2020.102300
Lau, A. I., Ariyanto, H. H., & Hashim, H. I. C. (2024). The Antecedents of QRIS Application Acceptance among Merchants for Payment in Indonesia. International Journal of Academic Research in Business and Social Sciences, 14(12), 2348–2362.
Copyright: © 2024 The Author(s)
Published by Knowledge Words Publications (www.kwpublications.com)
This article is published under the Creative Commons Attribution (CC BY 4.0) license. Anyone may reproduce, distribute, translate and create derivative works of this article (for both commercial and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this license may be seen at: http://creativecommons.org/licences/by/4.0/legalcode