Analysis of Intention to Use Factors using Quick Response Code Indonesia Standard (QRIS) in Indonesia

QRIS is the latest payment technology that helps people to make transactions more quickly and efficiently, simply by scanning the printed barcode and stored in the smartphone gallery. QRIS also benefits traders because they don't have to worry when they don't have a little money to return. In this study, researchers want to know what factors influence the use of QRIS in Indonesia. Therefore, this study used a quantitative method with 396 respondents to determine what factors influenced the public to use the QRIS payment. There are eight hypotheses used in this study. From the eight hypotheses, the results show that the factors influencing behavior intention to pay QRIS are perceived trust, attitude supported by habit, personal Innovativeness, and Perceived Financial Risk, which makes users remain loyal to using QRIS payments. Mobile banking or e-wallets because of a sense of trust, safety, effectiveness, and efficiency, which has become a new habit in a transaction. In addition, users also have complete control over their spending with the payment limit for each transaction. But there are some not significant indicators. It does not mean that indicators are not affecting the use of QRIS, but the user already felt the impact and did not need any addition to these indicators. Researchers predicted by using PLSpredict to know the factors that highly impact our attitude and behavior intention. As can be seen, attitude is easier to influence, creating a new behavior intention to make any transactions must be done by QRIS. It will help merchants increase transaction performance because of QR code-based payment integrated with National Payment Gateway (NPG).