ANALYSIS OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM) ON QRIS USAGE THROUGH INTENTION TO USE

Abstract

The use of QRIS at SRC Sugianto MSME in Ngawi varies among consumers even though digital payment facilities are already available. This study examines the effect of perceived ease of use and perceived usefulness on QRIS usage, directly and indirectly through intention to use. A quantitative explanatory design was applied to 385 respondents selected by purposive sampling. Primary data were gathered using a five-point Likert questionnaire, while secondary information was obtained from books, journal articles, and supporting documents. The data were processed with IBM SPSS Statistics using descriptive analysis, validity and reliability assessment, classical assumption tests, path analysis, t-test, coefficient of determination, and Sobel test. The findings demonstrate that perceived ease of use and perceived usefulness positively and significantly influence intention to use as well as QRIS usage. Intention to use also has a significant positive relationship with QRIS usage and mediates the effects of both perceptions. These results indicate that QRIS adoption is shaped not merely by the availability of the payment facility, but also by how users evaluate its ease, benefits, and their willingness to employ it in transactions. Future studies may broaden the research setting and introduce additional constructs to improve the explanatory scope of the model.