Analysis of the Factors Influencing the Intension to Use Cross-Border QRIS as A Payment Method
https://doi.org/10.35877/454RI.qems2750
Keywords:
Cross-border QRIS, financial literacy, payment system, perceived security, perceived trust, TAM, UTAUT2, usage intention
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Abstract
Aligned with the goal of the Indonesian Payment System 2025 to accelerate inclusive finance, develop MSMEs (Micro, Small, and Medium Enterprises), streamline transactions, and enhance economic growth, the government has implemented cross-border QRIS payment system cooperation with Thailand, Malaysia, and Singapore. Technology Acceptance Model/TAM, Unified Theory of Acceptance and Use of Technology 2/UTAUT2, user system trust theories (perceived trust and perceived security), and financial literacy are integrated to identify factors influencing the intention to use cross-border QRIS. The research method is quantitative using SEM (Structural Equation Modeling), data collected through online questionnaires distributed to cross-border QRIS users. The total number of participant respondents is 356, and the data obtained are processed using SmartPLS application. The data analysis results from this study show that the intention to use QRIS cross-border is only significantly and positively affected by perceived usefulness, habit, and then hedonic motivation.
References
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Ausawanetmanee, P, Thavorn, K., Chandrachai. A, Klongthong, W, Vchirawongwin, V., Ekgasit, S.. (2024). Consumer acceptance of an innovative Bio-QR code traceability system for edible bird’s nest. Journal of Open Innovation: Technology, Market, and Complexity, Volume 10. https://doi.org/10.1016/j.joitmc.2023.100169.
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer Use of Mobile Banking (M-Banking) in Saudi Arabia: Towards an Integrated Model. International Journal of Information Management, Volume 44. https://doi.org/10.1016/j.ijinfomgt.2018.09.002.
Balakrishnan, V., & Shuib, N. L. M. (2021). Drivers and Inhibitors for Digital Payment Adoption Using the Cashless Society Readiness-Adoption Model in Malaysia. Technology in Society, Volume 65. https://doi.org/10.1016/j.techsoc.2021.101554.
Bandura, R., & Ramanujam, S. R. (2021). Developing Inclusive Digital Payment Systems. Center for Strategic and International Studies (CSIS). https://www.jstor.org/stable/resrep35090.
Bongomin, O. C., Munene, J. C., & Yourougou, P. (2020). Examining the Role of Financial Intermediaries in Promoting Financial Literacy and Financial Inclusion among the Poor in Developing Countries: Lessons from Rural Uganda. Cogent Economics & Finance, 8:1, 1761274, doi: 10.1080/23322039.2020.1761274.
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Daragmeh, A., Lentner, C. dan Sági, J. (2021). FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment. Journal of Behavioral and Experimental Finance, Volume 32. https://doi.org/10.1016/j.jbef.2021.100574.
Data Transaksi QRIS Cross-border. (2024). Departemen Kebijakan Sistem Pembayaran, Bank Indonesia.
Daud, I., Nurjannahe, D., Mohyi, A., Ambarwati, T., Cahyono, Y., Haryoko, A. E., Handoko, A. L., Putra, R. S., Wijoyo, H., Ariyanto, A., & Jihadi, M. (2022). The Effect of Digital Marketing, Digital Finance and Digital Payment on Finance Performance of Indonesian SMEs. International Journal of Data and Network Science 6 (2022) 37–44, https://doi: 10.5267/j.ijdns.2021.10.006.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, Sep., 1989, Vol. 13, No. 3 (Sep., 1989), pp. 319-340 Published by: Management Information Systems Research Center, University of Minnesota Stable. https://www.jstor.org/stable/249008.
Departmen Komunikasi. (2023). Indonesia dan Malaysia Meluncurkan Interkoneksi Pembayaran Antarnegara Berbasis QR Code. Bank Indonesia. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2511623.aspx.
G20 Roadmap for Enhancing Cross-border Payments. (2022). Financial Stability Board.
Ghozali, I. (2016) Aplikasi Analisis Multivariete Dengan Program IBM SPSS 23. Edisi 8. Semarang: Badan Penerbit Universitas Diponegoro.
Glory, T. J. S. (2021). Intensi Adopsi QR Code Payment: Pengembangan MTAM dan Ekstensi Model UTAUT2. Tesis. Universitas Indonesia.
Ha, D., Şensoy, A & Phung, A. (2023). Empowering Mobile Money Users: The Role of Financial Literacy and Trust in Vietnam. Borsa Istanbul Review. https://doi.org/10.1016/j.bir.2023.10.009 .
Hair, J.F., Hult, G.T.M., Ringle, C.M., Sarstedt, M., Danks, N.P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Springer Nature Switzerland AG. https://doi.org/10.1007/978-3-030-80519-7.
Hair, J.F., Risher, J.J., Sarstedt, M., & Ringle, C.M. (2019). When to Use and How to Report the Results of PLS-SEM. European Business Review Vol. 31 No. 1. Emerlad Publising Limited. https://doi.org/10.1108/EBR-11-2018-0203.
Hanif, Y., & Lallie, H. S. (2021). Security Factors on the Intention to Use Mobile Banking Applications in the UK Older Generation (55+). A Mixed-Method Study Using Modified UTAUT and MTAM - with Perceived Cyber Security, Risk, and Trust. https://doi.org/10.1016/j.techsoc.2021.101693
Haryono, E. (2022). Indonesia dan Thailand Meresmikan Implementasi Pembayaran Kode QR Lintas Negara. Press Release, Bank Indonesia, https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2423222.aspx.
Janna, N. M. (2021). Konsep Uji Validitas dan Reliabilitas dengan Menggunakan SPSS. Skirpsi. Sekolah Tinggi Agama Islam: Makassar.
Kamdjoug, J.R.K., Wamba-Taguimdje, S., Wamba, S.F., & Kake, I.B. (2021). Determining Factors and Impacts of the Intention to Adopt Mobile Banking App in Cameroon: Case of SARA by Afriland First Bank. Journal of Retailing and Consumer Services, Volume 61. https://doi.org/10.1016/j.jretconser.2021.102509.
Kelompok Usia. https://ayosehat.kemkes.go.id/kategori-usia/dewasa
Kusnandar, V.B. (2021). Kecepatan Internet Fix Broadband Indonesia Rendah, Peringkat ke-8 di ASEAN pada 2021. http:// databoks.katadata.co.id/datapublish/2021/12/23/kecepatan-internet-fix-broadband-indonesia-rendah-peringkat-ke-8-di-asean-pada-2021.
Li, X. (2020). When Financial Literacy Meets Textual Analysis: A Conceptual Review. Journal of Behavioral and Experimental Finance, Volume 28. https://doi.org/10.1016/j.jbef.2020.100402.
Lusardi, A., & Mitchell, O.S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature 2014, 52(1), 5–44. http://dx.doi.org/10.1257/jel.52.1.5.
Lyons, A.C.L., & Kass-Hanna, J. (2021). Financial Inclusion, Financial Literacy and Economically Vulnerable Populations in the Middle East and North Africa. Emerging Markets Finance and Trade, 57:9, 2699-2738. doi:10.1080/1540496X.2019.1598370.
Ma, C., Wu, J., Sun, H., Zhou, X., & Sun, X. (2021). Enhancing User Experience in Digital Payments: A Hybrid Approach Using SEM and Neural Networks. https://doi.org/10.1016/j.frl.2023.104376
Morgan, P.J., & Long, T.Q. (2020). Financial literacy, Financial Inclusion, and Savings Behavior in Laos. Journal of Asian Economics, Volume 68. https://doi.org/10.1016/j.asieco.2020.101197.
Najib, M., & Fahma, F. (2020). Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: An Insight from the Indonesian Small and Medium Enterprises. International Journal on Advanced Science, Engineering and Information Technology. Vol 10, No 4, https://doi 10.18517/ijaseit.10.4.11616.
Namahoot, K.S., dan Jantasri, V. (2022). Integration of UTAUT Model in Thailand Cashless Payment System Adoption: The Mediating Role of Perceived Risk and Trust. Journal of Science and Technology Policy Management, Vol. 14 No. 4, pp. 634-658. https://doi.org/10.1108/JSTPM-07-2020-0102.
Nguyen, H.V., Ha, G.H., Nguyen, D.N., Doan, A.H., & Phan, H.T. (2022). Understanding Financial Literacy and Associated Factors among Adult Population in a Low-Middle Income Country. Heliyon, Volume 8, Issue 6. https://doi.org/10.1016/j.heliyon.2022.e09638 .
Ong, M.A.H., Yusri, M.Y., & Ibrahim, N.S. (2023). Use and Behavioural Intention Using Digital Payment Aystems among Rural Residents: Extending the UTAUT-2 Model. Technology in Society, Volume 74. https://doi.org/10.1016/j.techsoc.2023.102305.
Pal, A., Herath, T., De’, R., & Rao, H. R. (2021). Why Do People Use Mobile Payment Technologies and Why Would They Continue? An Examination and Implications from India. ttps://doi.org/10.1016/j.respol.2021.104228
Patil, P., Tamilmani, K., Rana, N.P., & Raghavan, V. (2020). Understanding Consumer Adoption of Mobile Payment in India: Extending Meta-UTAUT Model with Personal Innovativeness, Anxiety, Trust, and Grievance Redressal. International Journal of Information Management, Volume 54, https://doi.org/10.1016/j.ijinfomgt.2020.102144.
Phan, T.N., Ho, T.V., & Le-Hoang, P.V. (2020). Factors Affecting the Behavioral Intention and Behavior of Using E–Wallets of Youth in Vietnam. Journal of Asian Finance, Economics and Business Vol 7 No 10 (2020) 295–302 295. doi:10.13106/jafeb.2020.vol7.n10.295.
Pobee, F., Jibril, A.B., & Owusu-Oware, E. (2023). Does Taxation of Digital Financial Services Adversely Affect The Financial Inclusion Agenda? Lessons From a Developing Country. Digital Business, Volume 3, Issue 2. https://doi.org/10.1016/j.digbus.2023.100066.
Saskia, C., & Pertiwi, W.K. (2023). Ada 354 Juta Ponsel Aktif di Indonesia, Terbanyak Nomor Empat Dunia. http//tekno.kompas.com.
Scherer, R., Siddiq, F., & Tondeur, J. (2019). The Technology Acceptance Model (TAM): A Meta-Analytic Structural Equation Modeling Approach to Explaining Teachers’ Adoption of Digital Technology in Education. Computers & Education, Volume 128. https://doi.org/10.1016/j.compedu.2018.09.009.
Sebastián, M.G.D.B., Antonovica, A., & Guede, J.R.S. (2023). What are the Leading Factors for Using Spanish Peer-to-Peer Mobile Payment Platform Bizum? The Applied Analysis of the UTAUT2 Model. Technological Forecasting and Social Change, Volume 187. https://doi.org/10.1016/j.techfore.2022.122235.
Setelah Thailand, QRIS Bisa untuk Berbelanja di Malaysia. Setelah Thailand, QRIS Bisa Untuk Belanja di Malaysia! (paydia.id). https://doi.org/10.3390/joitmc7030188.
Setiawan, B., Nugraha, D.P., Irawan, A., Nathan, R.J., & Zoltan, Z. (2021). User Innovativeness and Fintech Adoption in Indonesia. Journal of Open Innovation: Technology, Market, and Complexity, Volume 7, Issue 3. https://doi.org/10.3390/joitmc7030188.
Siaran Pers. (2023). QRIS Antarnegara Berikan Kemudahan Transaksi bagi Wisman. https://asean2023.id/id/news/international-qris-provides-easy-transactions-for-foreign-tourists
Singh, S. (2020). An Integrated Model Combining the ECM and the UTAUT to Explain Users’ Post-Adoption Behaviour Towards Mobile Payment Systems. Australasian Journal of Information Systems. https://doi.org/10.3127/ajis.v24i0.2695.
Sistem Pembayaran & Pengelolaan Uang Rupiah. (2020). Bank Indonesia, https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/default.aspx.
Suebtimrat, P., & Vonguai, R. (2021). An Investigation of Behavioral Intention Towards QR Code Payment in Bangkok, Thailand. Journal of Asian Finance, Economics and Business Vol 8 No 1 (2021) 939–950. https://doi:10.13106/jafeb.2021.vol8.no1.939.
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Published
2024-07-15
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How to Cite
Santi, B. N., & Chalid, D. A. (2024). Analysis of the Factors Influencing the Intension to Use Cross-Border QRIS as A Payment Method. Quantitative Economics and Management Studies, 5(4), 844-861. https://doi.org/10.35877/454RI.qems2750
Copyright (c) 2024 Bestari Nirmala Santi, Dony Abdul Chalid
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