Skip to main content
SpringerLink
Log in

The Use of Quick Response Code Indonesian Standard (QRIS) in Jakarta: Are Usefulness and Resistance to Technology Stronger Than Perceived Security and Technological Anxiety?

  • Conference paper
  • First Online:
Technology: Toward Business Sustainability (ICBT 2023)

Part of the book series: Lecture Notes in Networks and Systems ((LNNS,volume 925))

Included in the following conference series:

  • 66 Accesses

Abstract

The Quick Response Code Indonesian Standard (QRIS) was introduced in Indonesia with the goal of making it a standard non-cash payment system that everyone can use and recognize. However, the conflict between advantages and fear of usage, such as erroneous transactions and data theft, continues to plague users in non-cash transactions. On the other hand, users in big city like Jakarta, with their rapid pace of knowledge absorption and tremendous social impact, may find these concerns to be unfounded. Based on this, the purpose of this study is to examine the behavioral drivers of QRIS users’ desire to use the system, as well as to explain whether the utility of technology and resistance to technology more powerful reasons can be than fear in utilizing this non-cash payment method. Using 208 individuals, this study was able to demonstrate that technology usability aspects and aversion to technology are more important than technology anxiety and security views. QRIS gives more benefits to users of non-cash payment methods in metropolitan cities than the difficulty, discomfort, or fear of utilizing it. The usage of a research region that only covers one city and the use of participant criteria that can be made more specific for future studies are both limitations of this study.

This is a preview of subscription content, log in via an institution to check access.

Access this chapter

Log in via an institution
Chapter
USD 29.95
Price excludes VAT (USA)
  • Available as PDF
  • Read on any device
  • Instant download
  • Own it forever
eBook
USD 149.00
Price excludes VAT (USA)
  • Available as EPUB and PDF
  • Read on any device
  • Instant download
  • Own it forever
Softcover Book
USD 199.99
Price excludes VAT (USA)
  • Compact, lightweight edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info

Tax calculation will be finalised at checkout

Purchases are for personal use only

Institutional subscriptions

References

  1. Christian, M., Yulita, H., Girsang, L.R., Wibowo, S., Indriyarti, E.R., Sunarno, S.: The impact of cashless payment in application-based transportation on gen Z user behavior in Jakarta. In: 2023 International Conference on IT Innovation and Knowledge Discovery (ITIKD), pp. 1–6 (2023). https://doi.org/10.1109/ITIKD56332.2023.10100198

  2. Alotaibi, A.R., Faleel, J.: Investigating the preferred methods of payment for online shopping by Saudi customers. PalArch’s J. Archaeol. Egypt/Egyptol. 18(13), 1041–1051 (2021). https://archives.palarch.nl/index.php/jae/article/view/8259

  3. Bwigenge, S., Sensuse, D.I., Kautsarina, K., Suryono, R.R.: Passengers acceptance of cashless payment system for public bus transportation system in Kigali City (Rwanda). In: 2020 International Conference on Advanced Computer Science and Information Systems (ICACSIS), pp. 341–350 (2020). https://doi.org/10.1109/ICACSIS51025.2020.9263155

  4. Patil, P., Tamilmani, K., Rana, N.P., Raghavan, V.: Understanding consumer adoption of mobile payment in India: extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. Int. J. Inf. Manage. 54, 102144 (2020). https://doi.org/10.1016/j.ijinfomgt.2020.102144

    Article  Google Scholar 

  5. Anouze, A.L.M., Alamro, A.S.: Factors affecting intention to use e-banking in Jordan. Int. J. Bank Mark. 38(1), 86–112 (2020). https://doi.org/10.1108/IJBM-10-2018-0271

    Article  Google Scholar 

  6. Christian, M., Yulita, H., Yuniarto, Y., Wibowo, S., Indriyarti, E.R., Sunarno, S.: Resistant to technology and digital banking behavior among Jakarta’s generation Z. In: 2023 International Conference on IT Innovation and Knowledge Discovery (ITIKD), pp. 1–6 (2023). https://doi.org/10.1109/ITIKD56332.2023.10099594

  7. Indriyarti, E.R., Christian, M., Yulita, H., Aryati, T., Arsjah, R.J.: Digital bank channel distribution: predictors of usage attitudes in Jakarta’s gen Z. J. Distrib. Sci. 21(2), 21–34 (2023). https://doi.org/10.15722/jds.21.02.202302.21

    Article  Google Scholar 

  8. Sánchez-Prieto, J.C., Olmos-Migueláñez, S., García-Peñalvo, F.J.: MLearning and pre-service teachers: an assessment of the behavioral intention using an expanded TAM model. Comput. Hum. Behav. 72, 644–654 (2017). https://doi.org/10.1016/j.chb.2016.09.061

    Article  Google Scholar 

  9. Venkatesh, V., Bala, H.: Technology acceptance model 3 and a research agenda on interventions. Decis. Sci. 39(2), 273–315 (2008). https://doi.org/10.1111/j.1540-5915.2008.00192.x

    Article  Google Scholar 

  10. Jiang, Y., Ahmad, H., Butt, A.H., Shafique, M.N., Muhammad, S.: QR digital payment system adoption by retailers: the moderating role of COVID-19 knowledge. Inf. Resour. Manag. J. 34(3), 41–63 (2021). https://doi.org/10.4018/IRMJ.2021070103

    Article  Google Scholar 

  11. Yan, L.-Y., Tan, G.W.-H., Loh, X.-M., Hew, J.-J., Ooi, K.-B.: QR code and mobile payment: the disruptive forces in retail. J. Retail. Consum. Serv. 58, 102300 (2021). https://doi.org/10.1016/j.jretconser.2020.102300

    Article  Google Scholar 

  12. Chen, W.-C., Chen, C.-W., Chen, W.-K.: Drivers of mobile payment acceptance in China: an empirical investigation. Information 10(12), 1–20 (2019). https://doi.org/10.3390/info10120384

    Article  Google Scholar 

  13. Christian, M., et al.: Generation YZ’s E-healthcare use factors distribution in COVID-19’s third year: a UTAUT modeling. J. Distrib. Sci. 21(7), 117–129 (2023). https://doi.org/10.15722/jds.21.07.202307.117

    Article  Google Scholar 

  14. Rafferty, N.E., Fajar, A.N.: Integrated QR payment system (QRIS): cashless payment solution in developing country from merchant perspective. Asia Pac. J. Inf. Syst. 32(3), 630–655 (2022). https://doi.org/10.14329/apjis.2022.32.3.630

    Article  Google Scholar 

  15. Wibowo, S., Sunarno, S., Gasjirin, J., Christian, M., Indriyarti, E.R.: Psychological and organizational factors impacting job satisfaction during the COVID-19 pandemic: a study on similar exposure groups in Indonesia. Acta Med. Philipp., 1–11 (2023). https://doi.org/10.47895/amp.vi0.3688

  16. Christian, M., Yuniarto, Y., Wibowo, S., Yulita, H., Manurung, S.: Predictors of health workers’ organizational citizenship behavior in Indonesia using PLS-SEM analysis in the digitalized healthcare and COVID-19 post-pandemic. In: Alareeni, B.A.M., Elgedawy, I. (eds.) Artificial Intelligence (AI) and Finance. Studies in Systems, Decision and Control, vol. 488, pp. 406–415. Springer, Cham (2023). https://doi.org/10.1007/978-3-031-39158-3_39

  17. Simonson, M.R., Maurer, M., Montag-Torardi, M., Whitaker, M.: Development of a standardized test of computer literacy and a computer anxiety index. J. Educ. Comput. Res. 3(2), 231–247 (1987). https://doi.org/10.2190/7CHY-5CM0-4D00-6JCG

    Article  Google Scholar 

  18. Venkatesh, V., Davis, F.: A theoretical extension of the technology acceptance model: four longitudinal field studies. Manage. Sci. 46(2), 186–204 (2000)

    Article  Google Scholar 

  19. Yang, Q., Gong, X., Zhang, K.Z.K., Liu, H., Lee, M.K.O.: Self-disclosure in mobile payment applications: common and differential effects of personal and proxy control enhancing mechanisms. Int. J. Inf. Manage. 52, 102065 (2020). https://doi.org/10.1016/j.ijinfomgt.2019.102065

    Article  Google Scholar 

  20. Oliveira, T., Thomas, M., Baptista, G., Campos, F.: Mobile payment: understanding the determinants of customer adoption and intention to recommend the technology. Comput. Human Behav. 61, 404–414 (2016). https://doi.org/10.1016/j.chb.2016.03.030

    Article  Google Scholar 

  21. Christian, M., Wibowo, S., Indriyarti, E.R., Sunarno, S., Yuniarto, Y.: Do service quality and satisfaction affect the intention of using application-based land transportation? A study on generation YZ in Jakarta BT - the implementation of smart technologies for business success and sustainability: during COVID-19 crises in D. In: Hamdan, A., Shoaib, H.M., Alareeni, B., Hamdan, R. (eds.) The Implementation of Smart Technologies for Business Success and Sustainability, pp. 737–746. Springer, Cham (2023). https://doi.org/10.1007/978-3-031-10212-7_60

  22. Indriyarti, E.R., Christian, M., Yulita, H., Ruminda, M., Sunarno, S., Wibowo, S.: Online food delivery app distribution and determinants of Jakarta’s gen Z spending habits. J. Distrib. Sci. 20(7), 73–86 (2022). https://doi.org/10.15722/jds.20.07.202207.73

    Article  Google Scholar 

  23. Christian, M., Pardede, R., Indriyarti, E.R.: Generation Z in Jakarta’s attitude towards COVID-19 ad distribution on YouTube. J. Distrib. Sci. 20(3), 13–22 (2022). https://doi.org/10.15722/jds.20.03.202203.13

    Article  Google Scholar 

  24. Christian, M., Haris, K., Indriyarti, E.R., Wibowo, S., Sunarno, S.: Service distribution strategy on business performance of Padang restaurants in North Jakarta. J. Distrib. Sci. 19(12), 57–69 (2021). https://doi.org/10.15722/jds.19.12.202112.57

    Article  Google Scholar 

  25. Hair, J., Hollingsworth, C.L., Randolph, A.B., Chong, A.Y.L.: An updated and expanded assessment of PLS-SEM in information systems research. Ind. Manag. Data Syst. 117(3), 442–458 (2017). https://doi.org/10.1108/IMDS-04-2016-0130

    Article  Google Scholar 

  26. Christian, M., Wibowo, S., Yulita, H., Melati, R., Sunarno, S., Titis Perdini, F.: Two phases of online food delivery app users’ behavior in greater Jakarta during the second year of the COVID-19 pandemic: perceptions of food safety and hygiene. Environ. Heal. Eng. Manag. 10(3), 249–259 (2023). https://doi.org/10.34172/EHEM.2023.28

  27. Hair, F., et al.: Multivariate Data Analysis, 7th edn. Pearson Education Limited, Harlow (2014)

    Google Scholar 

  28. Christian, M., Dewi, D., Rembulan, G.D., Indriyarti, E.R., Wibowo, S., Yuniarto, Y.: Business performance determinants of salted fish distribution in Kapuk during the COVID-19. J. Distrib. Sci. 19(6), 29–39 (2021). https://doi.org/10.15722/jds.19.6.202106.29

    Article  Google Scholar 

  29. Memon, A.H., Rahman, I.A.: SEM-PLS analysis of inhibiting factors of cost performance for large construction projects in Malaysia: perspective of clients and consultants. Sci. World J. 2014(165158), 1–9 (2014). https://doi.org/10.1155/2014/165158

    Article  Google Scholar 

  30. Otache, I.: The mediating effect of teamwork on the relationship between strategic orientation and performance of Nigerian banks. Eur. Bus. Rev. 31(5), 744–760 (2019). https://doi.org/10.1108/EBR-10-2017-0183

    Article  Google Scholar 

  31. Christian, M., et al.: A PLS-SEM analysis of consumer health literacy and intention to use complementary and alternative medicine in the COVID-19 pandemic. In: Radomir, L., Ciornea, R., Wang, H., Liu, Y., Ringle, C.M., Sarstedt, M. (eds.) BT - State of the Art in Partial Least Squares Structural Equation Modeling (PLS-SEM): Methodological Extensions and Application, pp. 459–473. Springer, Cham (2023). https://doi.org/10.1007/978-3-031-34589-0_35

  32. Liébana-Cabanillas, F., Ramos de Luna, I., Montoro-Ríos, F.J.: User behaviour in QR mobile payment system: the QR payment acceptance model. Technol. Anal. Strateg. Manag. 27(9), 1031–1049 (2015). https://doi.org/10.1080/09537325.2015.1047757

    Article  Google Scholar 

Download references

Author information

Authors and Affiliations

  1. Universitas Bunda Mulia, Jakarta, Indonesia

    Michael Christian, Henilia Yulita, Ongky Alex Sander, Michael Christianto Leonardo & Pangestu Arifin

  2. Universitas Tama Jagakarsa, Jakarta, Indonesia

    Sunarno Sunarno

Authors
  1. Michael Christian
    View author publications

    You can also search for this author in PubMed Google Scholar

  2. Henilia Yulita
    View author publications

    You can also search for this author in PubMed Google Scholar

  3. Ongky Alex Sander
    View author publications

    You can also search for this author in PubMed Google Scholar

  4. Sunarno Sunarno
    View author publications

    You can also search for this author in PubMed Google Scholar

  5. Michael Christianto Leonardo
    View author publications

    You can also search for this author in PubMed Google Scholar

  6. Pangestu Arifin
    View author publications

    You can also search for this author in PubMed Google Scholar

Corresponding author

Correspondence to Michael Christian .

Editor information

Editors and Affiliations

  1. Middle East Technical University, Northern Cyprus Campus, GĂĽzelyurt, Kallanli, KKTC, TĂĽrkiye

    Bahaaeddin Alareeni

  2. College of Business of Finance, Ahlia University, Manama, Bahrain

    Allam Hamdan

Rights and permissions

Reprints and permissions

Copyright information

© 2024 The Author(s), under exclusive license to Springer Nature Switzerland AG

About this paper

Check for updates. Verify currency and authenticity via CrossMark

Cite this paper

Christian, M., Yulita, H., Sander, O.A., Sunarno, S., Leonardo, M.C., Arifin, P. (2024). The Use of Quick Response Code Indonesian Standard (QRIS) in Jakarta: Are Usefulness and Resistance to Technology Stronger Than Perceived Security and Technological Anxiety?. In: Alareeni, B., Hamdan, A. (eds) Technology: Toward Business Sustainability. ICBT 2023. Lecture Notes in Networks and Systems, vol 925. Springer, Cham. https://doi.org/10.1007/978-3-031-54019-6_25

Download citation

  • DOI: https://doi.org/10.1007/978-3-031-54019-6_25

  • Published:

  • Publisher Name: Springer, Cham

  • Print ISBN: 978-3-031-54018-9

  • Online ISBN: 978-3-031-54019-6

  • eBook Packages: EngineeringEngineering (R0)

Publish with us

Policies and ethics

Search

Navigation