The Role of Digital Payment in Society’s Financial Inclusion: Analyzing Behavioral Aspects of QR-Code Payments in Indonesia
DOI:
https://doi.org/10.35880/inspirasi.v14i2.2328Keywords:
Behavior Intention, Qr-Code Payment, Social Influence, Habit, Personal InnovativenessAbstract
This study seeks to uncover characteristics that impact customer behavior toward the QR Code payment system among QR-code payment users in Indonesia. According to the findings of this study, social influence, habits, and personal innovativeness in information technology are all significantly connected to the behavioral intention to utilize mobile payments using QR codes. In contrast, effort expectation, enabling circumstances, and hedonic motivation were determined to be statistically unimportant. The suggested study approach was empirically evaluated using data acquired from 100 users of banking and online payment applications via an online survey. The study's findings provide valuable insights for mobile payment app developers and mobile payment marketing teams in understanding factors that can help businesses and policymakers develop strategies to promote the adoption of QR code payments and address consumers' perceived risks by implementing strong security measures and communicating the steps to consumers. Policymakers may encourage the use of QR code payments by providing regulatory support and increasing financial awareness in consumers.
ABSTRAK
Penelitian ini berupaya mengungkap karakteristik yang mempengaruhi perilaku pelanggan terhadap sistem pembayaran QR Code di kalangan pengguna pembayaran QR-code di Indonesia. Berdasarkan temuan penelitian ini, pengaruh sosial, kebiasaan, dan inovasi pribadi dalam teknologi informasi semuanya berhubungan secara signifikan dengan niat perilaku untuk memanfaatkan pembayaran seluler menggunakan kode QR. Sebaliknya, ekspektasi upaya, keadaan yang memungkinkan, dan motivasi hedonis dianggap tidak penting secara statistik. Pendekatan studi yang disarankan dievaluasi secara empiris dengan menggunakan data yang diperoleh dari 100 pengguna aplikasi perbankan dan pembayaran online melalui survei online. Temuan penelitian ini memberikan wawasan berharga bagi pengembang aplikasi pembayaran seluler dan tim pemasaran pembayaran seluler dalam memahami faktor-faktor yang dapat membantu dunia usaha dan pembuat kebijakan mengembangkan strategi untuk mendorong penerapan pembayaran kode QR dan mengatasi risiko yang dirasakan konsumen dengan menerapkan langkah-langkah keamanan yang kuat dan mengomunikasikan langkah-langkah tersebut. kepada konsumen. Pembuat kebijakan dapat mendorong penggunaan pembayaran kode QR dengan memberikan dukungan peraturan dan meningkatkan kesadaran finansial konsumen.
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