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ENHANCING ENGAGEMENT IN QRIS ADOPTION: THE IMPACT OF EASE OF USE ON USAGE DECISIONS WITH TRUST AS A MEDIATING VARIABLE AMONG USERS IN JAMBI PROVINCE

Journal of Business Studies and Management Review · Vol. 8 No. 2 (2025) · hlm. 321–329

DOI
10.22437/jbsmr.v8i2.44719
ISSN
2597-6265, 2597-369X
Terbit
2025-06-30
Penerbit
Management Department, Faculty of Economics and Business, Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study examines the impact of ease of use on QRIS usage decisions, with trust as a mediating variable among users in Jambi Province. Employing a quantitative approach with a survey method, data were collected from 100 respondents and analyzed using Partial Least Squares (PLS). The findings reveal that ease of use has a positive and significant effect on user trust—individuals who perceive QRIS as easy to learn and operate tend to exhibit higher levels of trust. However, ease of use does not directly influence usage decisions. Instead, trust plays a crucial mediating role, significantly affecting users' decisions to adopt QRIS. These results highlight the necessity of enhancing usability and fostering trust to drive broader adoption.nThis study contributes to the existing literature by providing empirical evidence on the mediating role of trust in the relationship between ease of use and usage decisions in the context of digital payment adoption. The findings offer practical implications for policymakers, financial institutions, and QRIS developers in designing strategies that improve user experience and build trust to accelerate QRIS adoption. By addressing key factors influencing user decisions, this research supports the development of more effective digital payment ecosystems in Indonesia.

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  • Universitas Gadjah Mada
  • Hasanuddin University
  • Institut Teknologi Sepuluh Nopember
  • Sriwijaya University
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Tona Aurora LubisAfiliasi tidak diketahui11
Johannes JohannesAfiliasi tidak diketahui5
Musnaini MusnainiAfiliasi tidak diketahui5
Dahmiri DahmiriAfiliasi tidak diketahui5
Pradita Eko Prasetyo UtomoUniversitas Gadjah Mada4
Yenny YuniartiAfiliasi tidak diketahui4
Sry RositaAfiliasi tidak diketahui3
Ade OctaviaAfiliasi tidak diketahui3
Firmansyah FirmansyahHasanuddin University2
Maryati NingsihAfiliasi tidak diketahui2
Rosmeli RosmeliAfiliasi tidak diketahui2
Fitri ChairunnisaAfiliasi tidak diketahui2
Rizqa Raaiqa BintanaInstitut Teknologi Sepuluh Nopember2
Dawam SuprayogiAfiliasi tidak diketahui2
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Agus SolikhinAfiliasi tidak diketahui2
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Husni HasbullahAfiliasi tidak diketahui1
Dian Mala Fithriani AiraAfiliasi tidak diketahui1
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Novika SukmaningthiasAfiliasi tidak diketahui1
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Desi SafitriAfiliasi tidak diketahui1
Nyimas AisyahSriwijaya University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/jbsmr/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">ENHANCING ENGAGEMENT IN QRIS ADOPTION: THE IMPACT OF EASE OF USE ON USAGE DECISIONS WITH TRUST AS A MEDIATING VARIABLE AMONG USERS IN JAMBI PROVINCE</dc:title>
	<dc:creator xml:lang="en">Arvelita, Alya Diandra</dc:creator>
	<dc:creator xml:lang="en">Yacob, Syahmardi</dc:creator>
	<dc:creator xml:lang="en">Sari, Novita</dc:creator>
	<dc:subject xml:lang="en">Ease of use</dc:subject>
	<dc:subject xml:lang="en">Trust</dc:subject>
	<dc:subject xml:lang="en">Usage Decision</dc:subject>
	<dc:subject xml:lang="en">QRIS</dc:subject>
	<dc:subject xml:lang="en">Mediation</dc:subject>
	<dc:description xml:lang="en">This study examines the impact of ease of use on QRIS usage decisions, with trust as a mediating variable among users in Jambi Province. Employing a quantitative approach with a survey method, data were collected from 100 respondents and analyzed using Partial Least Squares (PLS). The findings reveal that ease of use has a positive and significant effect on user trust—individuals who perceive QRIS as easy to learn and operate tend to exhibit higher levels of trust. However, ease of use does not directly influence usage decisions. Instead, trust plays a crucial mediating role, significantly affecting users' decisions to adopt QRIS. These results highlight the necessity of enhancing usability and fostering trust to drive broader adoption.nThis study contributes to the existing literature by providing empirical evidence on the mediating role of trust in the relationship between ease of use and usage decisions in the context of digital payment adoption. The findings offer practical implications for policymakers, financial institutions, and QRIS developers in designing strategies that improve user experience and build trust to accelerate QRIS adoption. By addressing key factors influencing user decisions, this research supports the development of more effective digital payment ecosystems in Indonesia.</dc:description>
	<dc:publisher xml:lang="en">Management Department, Faculty of Economics and Business, Universitas Jambi</dc:publisher>
	<dc:date>2025-06-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/jbsmr/article/view/44719</dc:identifier>
	<dc:identifier>10.22437/jbsmr.v8i2.44719</dc:identifier>
	<dc:source xml:lang="en">Journal of Business Studies and Management Review; Vol. 8 No. 2 (2025): JBSMR, Vol 8 No.2 June 2025; 321-329</dc:source>
	<dc:source>2597-6265</dc:source>
	<dc:source>2597-369X</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/jbsmr/article/view/44719/21923</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Alya Diandra Arvelita, Syahmardi Yacob, Novita Sari</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>