Research on the Influence of Factors on the Intention to Use QR-Pay in Payment and Electronic Money Transfer of Students at Universities

The basic objective of this study is to determine the influence of factors on the intention to use QR-Pay in payment and electronic money transfer of students at universities. The research was conducted in two phases, qualitative research and quantitative research. Qualitative research identifies 4 factors affecting the intention to use QR-Pay form in payment and electronic money transfer of students at universities, including: (i) “Attitudes” for QR-Pay payment method, (ii) “Subjective norm”, (iii) “Perception of behavioral control” and (iv) “Trust” for QR-Pay payment method. Quantitative research is carried out through survey questionnaires. The study used multivariate regression analysis through SPSS 26.0 software with a sample of 852. The results of multivariable regression analysis showed that the research model is consistent with the survey data, in which, factors “Attitude”, “Trust” toward QR-Pay payment method and the variable “Subjective norm” have a positive influence on the intention to use QR-Pay in payment and electronic money transfer of students. Students at universities, the factor “Perception of behavioral control” has a negative influence on this intention.