Analisis Pengaruh Technology Readiness terhadap Perceived Usefulness dan Perceived Ease of Use terhadap Behavioral Intention dari Quick Response Indonesian Standard (QRIS) untuk Pembayaran Digital (Studi Kasus: Pengguna Aplikasi e-Wallet Go-Pay, DANA, OVO, dan LinkAja di Surabaya)

Analysis the Effect of Technology Readiness on Perceived Usefulness and Perceived Ease of Use on Behavioral Intention from the Quick Response Indonesian Standard (QRIS) for Digital Payments (Case Study: Go-Pay, DANA, OVO, and LinkAja e-Wallet Application Users in Surabaya)

Di Indonesia, terdapat standar untuk QR-Code yang digunakan pada sistem pembayaran yang dikeluarkan oleh Bank Indonesia bernama QRIS untuk memberikan pengalaman transaksi pembayaran secara non-tunai yang lebih mudah serta efektif. QRIS yang merupakan teknologi baru, maka banyak dari masyarakat yang belum mengenal teknologi ini. Sehingga pada penelitian ini, tujuan yang hendak peneliti capai yaitu untuk mencari tahu bagaimana pengaruh kesiapan teknologi (technology readiness) terhadap penerimaan QRIS. Data primer pada penelitian ini didapatkan dari sampel para pengguna aplikasi dompet digital Go-Pay, Dana, OVO, dan LinkAja di Surabaya yang sudah pernah maupun tertarik menggunakan QRIS. Penentuan jumlah sampel menggunakan metode nonprobability sampling dengan perhitungan jumlah indikator dikali 5 dan didapatkan jumlah sampel sebanyak 125 responden. Metode yang diterapkan peneliti ialah TRAM dan PLS-SEM sebagai teknik untuk menganalisis datanya. Hasil yang didapat dari penelitian ini yaitu dari 10 hipotesis yang diajukan, enam dapat diterima dan empat sisanya ditolak. Hipotesis yang diterima yaitu optimism dan innovativeness yang terbukti memberikan pengaruh positif dan signifikan terhadap perceived usefulness dan perceived ease of use serta perceived usefulness dan perceived ease of use yang terbukti memberikan pengaruh positif dan signifikan terhadap behavioral intention. Sedangkan hipotesis yang ditolak yaitu discomfort dan insecurity karena hasil yang didapatkan yaitu kedua variabel tersebut tidak memberikan pengaruh yang signifikan terhadap perceived usefulness dan perceived ease of use. 

In Indonesia, there is a standard for QR-Code used in payment system issued by Bank Indonesia called QRIS to provide an easier and more effective non-cash payment transaction experience. QRIS is a new technology, so many people are not familiar yet with this technology. In this study, the goal that researchers want to achieve is to find out how the influence of technology readiness on QRIS acceptance. The primary data in this study was obtained from a sample of the users of Go-Pay, Dana, OVO, and LinkAja digital wallet applications in Surabaya who have been or are interested in using QRIS. Determination of the number of samples using nonprobability sampling method with the calculation of the number of indicators multiplied by 5 and obtained the number of samples as many as 125 respondents. The methods applied by researchers are TRAM and PLS-SEM as techniques for analyzing their data. The results obtained from this study are from 10 hypotheses submitted, six are acceptable and the remaining four are rejected. The accepted hypothesis is optimism and innovativeness that are proven to have a positive and significant influence on perceived usefulness and perceived ease of use as well as perceived usefulness and perceived ease of use that are proven to have a positive and significant influence on behavioral intentions. Furthermore the hypothesis that rejected is discomfort and insecurity because the results obtained are both variables do not have a significant influence on perceived usefulness and perceived ease of use.