Research Article
Behind the Scan QRIS Usage: Financial Literacy, Perceived Ease of Use, Perceived Risk and Lifestyle
@INPROCEEDINGS{10.4108/eai.30-7-2025.2360596, author={Rifky Alif Fadillah and Lulu Nurul Istanti and F. Danardana Murwani and Trisetia Wijijayanti and Casimiro Soares}, title={Behind the Scan QRIS Usage: Financial Literacy, Perceived Ease of Use, Perceived Risk and Lifestyle}, proceedings={Proceedings of the 5th Business Innovation Sustainability and Technology International Conference, BISTIC 2025, 30th July 2025, Malang, Indonesia}, publisher={EAI}, proceedings_a={BISTIC}, year={2025}, month={12}, keywords={financial literacy perceived ease of use perceived risk lifestyle decisions to use qris}, doi={10.4108/eai.30-7-2025.2360596} }- Rifky Alif Fadillah
Lulu Nurul Istanti
F. Danardana Murwani
Trisetia Wijijayanti
Casimiro Soares
Year: 2025
Behind the Scan QRIS Usage: Financial Literacy, Perceived Ease of Use, Perceived Risk and Lifestyle
BISTIC
EAI
DOI: 10.4108/eai.30-7-2025.2360596
Abstract
Technological advances, particularly in the realm of financial technology (fintech), have a significant impact on how people conduct transactions and interact, while also driving enhanced business performance. This study aims to analyze the influence of Financial Literacy, Perceived Ease of Use, Perceived Risk, and Lifestyle on the decision-making of students at the State University of Malang regarding the use of QRIS. Employing a quantitative method and an associative approach, this study encompasses the entire student population at the State University of Malang and involves 389 respondents selected according to the Slovin formula. The findings reveal that Financial Literacy, Perceived Ease of Use, and Lifestyle positively and significantly influence the decision to use QRIS. In contrast, Perceived Risk does not demonstrate any significant relationship. Nonetheless, when considered together, all these variables have a substantial effect on the decision to use QRIS. The outcomes of this study suggest that Financial Literacy, Perceived Ease of Use, and Lifestyle play a crucial role in promoting the adoption of QRIS among students. In contrast, Perceived Risk has shown no significant impact as a limiting factor in the decision-making process.
