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

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.