Behavioral Intention to Use QRIS Among Gen-Z In Garut Using TAM Construct
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Nov 6, 2026
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Abstract
This study examines the effects of perceived ease of use, perceived usefulness, and perceived security on behavioral intention to use QRIS among Generation Z in Garut. A quantitative descriptive with associative approach was applied to data from 386 Generation Z respondents selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that perceived ease of use, perceived usefulness, and perceived security each have a positive and significant effect on behavioral intention to use QRIS. Perceived usefulness has the strongest effect, followed by perceived ease of use and perceived security. These findings support the use of an extended Technology Accepttance Model to explain QRIS adoption among Generation Z in Garut.
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
LPPM Politeknik Piksi Ganesha Indonesia
How to Cite
Raditya, M. A., Rahyuniati Setiawan, & Hilman Rismanto. (2026). Behavioral Intention to Use QRIS Among Gen-Z In Garut Using TAM Construct. Jurnal E-Bis, 10(2), 976-992. https://doi.org/10.37339/e-bis.v10i2.3551
References
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Andriyani, F., Siagian, B., Suciati, P., & Citra, A. (2025). QRIS ADOPTION AND UTILIZATION: EXAMINING GEN Z’S DIGITAL PAYMENT BEHAVIOR AMONG INDONESIAN VOCATIONAL STUDENTS. Jurnal Vokasi Indonesia, 13(1), 50–63. https://doi.org/10.7454/jvi.v13i1.1233
Anggraini, M. S., Anggraeni, E., & Nurhayati, N. (2024). Pengaruh Persepsi Kepercayaan dan Persepsi Keamanan Terhadap Pelaku Usaha Pada Penggunaan QRIS Sebagai Alat Pembayaran Digital Dalam Persepektif Bisnis Syariah. Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce, 3(3), 160–174. https://doi.org/10.30640/digital.v3i3.3196
Anzie, L. P., Manalu, G., Savitri, S. D. D., Putri, R. O., & Zusrony, E. (2024). STUDY OF GEN Z ACCEPTANCE ANALYSIS IN USING DIGITAL QUICK RESPONSE INDONESIA STANDARD (QRIS) AS A DIGITAL TRANSACTION TOOL. Business and Accounting Research (IJEBAR) Peer Reviewed-International Journal, 8, 962–969. https://jurnal.stie-aas.ac.id/index.php/IJEBAR
Ariningsih, E. P., Wijayanti, W., & Prasaja, M. G. (2022). Intention to Use E-wallet Dilihat dari Perceived Usefulness, Perceived Ease of Use, Perceived Security, dan Trust. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 11(2), 227. https://doi.org/10.30588/jmp.v11i2.916
ASPI. (2026). Statistik QRIS. Asosiasi Sistem Pembayaran Indonesia. aspi-indonesia.or.id/statistik-qris/#
BICARA. (2019). MASIH RIBET DENGAN BANYAK QR CODE? Bank Indonesia, 78.
BPS. (2025). Memahami Generasi Z: Tantangan, Perilaku, dan Peluang. In BPS Kabupaten Gorontalo. https://gorontalokab.bps.go.id/id/news/2025/02/05/30/memahami-generasi-z--tantangan--perilaku--dan-peluang.html
Davis, F. D., & Granić, A. (2024). The Technology Acceptance Model 30 Years of TAM (1st ed.). Springer Cham. https://doi.org/10.1007/978-3-030-45274-2
Dewantoro, R., Sariani, S., & Suriono, H. (2025). Transformation of Generation Z’s consumption behavior in the digital ecosystem: A theoretical review of social media-based marketing strategies. Priviet Social Sciences Journal, 5(5), 102–110. https://doi.org/10.55942/pssj.v5i5.619
Dokoupilová, L., Cogiel, A., & Fero, M. (2024). Values as motivating factors for representatives of generation Z in the Czech Republic and Slovakia within the European context. Frontiers in Psychology, 15, 1–17. https://doi.org/10.3389/fpsyg.2024.1404354
Ekaputra, P. S., Ciptosari, F., & Halim, T. (2024). Adopsi Teknologi Pembayaran Digital QRIS di Kalangan UMKM Labuan Bajo: Tantangan dan Peluang. JAVOK: Jurnal Akademisi Vokasi, 3(2). https://www.researchgate.net/publication/390995482_Adopsi_Teknologi_Pembayaran_Digital_QRIS_di_Kalangan_UMKM_Labuan_Bajo_Tantangan_dan_Peluang
Fadillah, M., Nurbalqis, A., & Agustina, L. (2022). PENGARUH KONTEN DIGITAL TERHADAP GENERASI Z DALAM PEMANFAATAN MEDIA SOSIAL DAN DIGITAL NATIVE DI KOTA TANJUNGPINANG. Al Yazidiy: Ilmu Sosial, Humaniora, dan Pendidikan, 4(2), 1–11. https://doi.org/https://doi.org/10.38194/jurkom.v5i2.653
Fitrian, D. N., Widayanto, & Nugraha, H. S. (2024). Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model. World Journal of Advanced Research and Reviews, 23(2), 073–084. https://doi.org/10.30574/wjarr.2024.23.2.2292
Geraldin, G. R. W. (2026). QRIS Use in Gen Z: The Influence of Lifestyle, Hedonic Motivation, Ease of Use, Perceived Risk Moderated by Financial Literacy [Sekolah Tinggi Ilmu Ekonomi Yogyakarta]. http://repositorybaru.stieykpn.ac.id/3657/1/Gabriela%20Rosellini%20Wisnu%20Geraldin.pdf
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (3rd ed.). SAGE Publications. https://www.sagepub.com/shop/buy-a-book/a-primer-on-partial-least-squares-structural-equation-modeling-pls-sem-3-270548
Hassan, M. S., Islam, M. A., Abdullah, A. B. M., & Nasir, H. (2024). End-user perspectives on fintech services adoption in the Bangladesh insurance industry: the moderating role of trust. Journal of Financial Services Marketing, 29(4), 1377–1395. https://doi.org/10.1057/s41264-024-00268-6
Hussin, N. S. N., & Aziz, Z. A. (2026). Understanding Quick Response Mobile Payment Adoption: An Extended TAM Approach among Malaysian University Students. International Journal of Business and Technopreneurship, 16(2), 161–169. https://ejournal.unimap.edu.my/index.php/ijbt/article/view/2517
Islam, K. M. A., Omeish, F., Islam, S., Sarea, A. M. Y., & Abdrabbo, T. (2024). Exploring individuals’ purchase willingness for cryptocurrency in an emerging context. Innovative Marketing, 20(2), 232. https://doi.org/10.21511/im.20(2).2024.19
Kotjoprayudi, R. B., & Kastaman. (2023). Use of Contactless Payment System to Prevent The Spread of Covid-19 in Indonesia. Accounting Information Systems and Information Technology Business Enterprise, 8(1), 16–30. https://doi.org/10.34010/aisthebest.v8i1.9501
Linh, T. T., & Huyen, N. T. T. (2025). An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam. F1000Research, 14, 127. https://doi.org/10.12688/f1000research.157763.1
Maharani, D. P., Romiza, N., Pasaribu, E., & Febriani, R. E. (2023). Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan di Indonesia Selama Pandemi Covid-19. Ecoplan: Journal of Economics and Development Studies, 6(2). https://doi.org/10.20527/ecoplan.v6i2.676
Mahendra, R. A., Eviyani, E. R., Putri, I. M., Safitri, D., & Budiman, J. (2024). PENGARUH PERCEIVED SECURITY, PERCEIVED BEHAVIOURAL CONTROL, DAN SOCIAL INFLUENCE TERHADAP BEHAVIOURAL INTENTION INDONESIAN STANDARD QUICK RESPONSE (QRIS) PADA GEN-Z DI KOTA BATAM. Economos: Jurnal Ekonomi dan Bisnis, 7(1), 21–31.
Marianus, S., & Ali, S. (2021). Factors Determining the Perceived Security Dimensions in B2C Electronic Commerce Website Usage: An Indonesian Study. Journal of Accounting and Investment, 22(1), 104–132. https://doi.org/10.18196/jai.v22i1.8171
Martini, M., Nurhasan, R., & Alan Kurniawan, D. (2025). Behavior Intention dan Use Behavior Penggunaan QRIS Pada Restoran di Garut: Pendekatan Model UTAUT2. Journal of Sociology Research and Education, 6(1). https://doi.org/10.53682/jpjsre.v6i1.11612
Netshirando, V., Kadyamatimba, A., & Munyoka, W. (2024). Effects of cyber-security and trust issues on consumers’ intention to use E-commerce systems in rural South Africa. International Journal of Research in Business and Social Science (2147- 4478), 13(7), 538–549. https://doi.org/10.20525/ijrbs.v13i7.3535
Nisa, S., & Adinugraha, H. (2024). The Effectiveness of the Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System for MSMEs. Journal of Economics, Management, Accounting and Computer Applications, 34–39. https://jemaca.aks.or.id/index.php/jemaca/index
Poudel, O., & Sapkota, M. P. (2022). Consumer Perception toward Digital Payment System. Management Dynamics, 25(1), 40–50. https://doi.org/10.31
Ramadhan, H. M., & Haidir, V. A. (2024). The Role of Perceived Ease of Use, Perceived Usefulness and Perceived Security on Behavioral Intention to Use Customer of Blu Digital Banking Application (A Case Study on Faculty of Administrative Science, Universitas Brawijaya Student). Ekspektra: Jurnal Bisnis dan Manajemen, 8(2), 122–137. https://doi.org/10.25139/ekt.v8i2
Raninda, R., Wisnalmawati, W., & Oetomo, H. (2022). Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Security, and Cashback Promotion on Behavioral Intention to the DANA E-Wallet. Jurnal Ilmiah Manajemen Kesatuan, 10(1), 63–72. https://doi.org/10.37641/jimkes.v10i1.1218
Sari, A. C., & Adinugraha, H. H. (2022). Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs. EKONOMIKA SYARIAH : Journal of Economic Studies, 5(2). https://doi.org/10.30983/es.v5i2.5027
Septiningrum, L., Agustanta, N., Ahdiyana, M., Wahyu Widianto, H., & Pambudi, A. (2025). The Theoretical Framework of Cashless Payment Systems in Indonesia: Analyzing Condition in Different Era’s. Natapraja, 12(1), 25–42. https://doi.org/10.21831/natapraja.v12i1.85298
Siagian, H., Tarigan, Z. J. H., Basana, S. R., & Basuki, R. (2022). The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform. International Journal of Data and Network Science, 6(3), 861–874. https://doi.org/10.5267/j.ijdns.2022.2.010
Sigit, S. M. (2024). PENGARUH PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, SECURITY DAN TRUST TERHADAP BEHAVIORAL INTENTION TO USE GOPAY LATER. Naureen Digital Education, (4), 518–534.
Silanoi, W., Naruetharadhol, P., & Ponsree, K. (2023). The Confidence of and Concern about Using Mobile Banking among Generation Z: A Case of the Post COVID-19 Situation in Thailand. Social Sciences, 12(4). https://doi.org/10.3390/socsci12040198
Sinaga, O. S., Krisna Marpaung, F., Dewi, R. S., Sudirman, A., Tinggi, S., Ekonomi, I., & Agung, S. (2021). Kontribusi perceived usefulness, perceived ease of use dan perceived security terhadap behavioral intention to use aplikasi JAKET. Insight Management Journal, 1(3), 86–94. https://journals.insightpub.org/index.php/imj
Sinurat, E. M., & Sugiyanto, L. B. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use dan Promosi Penjualan melalui Mediasi Attitude Toward Using dan Perceived Security terhadap Behavioral Intention to Use (Studi Empiris: Pengguna Mobile Wallet di Jakarta). Business Management Journal, 18(1), 17. https://doi.org/10.30813/bmj.v18i1.2820
Sugiyono. (2022). Metode Penelitian Bisnis, Pendekatan Kuantitatif, Kualitatiff, Kombinasi, dan R&D (3rd ed.). Alfabeta. https://cvalfabeta.com/product/metode-penelitian-bisnis-pendekatan-kuantitatif-kualitatiff-kombinasi-dan-rd/
Suyanto. (2023). MENGENAL DOMPET DIGITAL DI INDONESIA. CV. AA. RIZKY.
Wahyungingsih, & Avrianto, A. (2023). QRIS Adoption by MSMEs in the UTAUT Perspective. Business Innovation and Entrepreneurship Journal, 5(4), 2684–8945. https://doi.org/10.35899/biej.v5i3.679
Wijaya, I. D., Astuti, E. S., Yulianto, E., & Abdillah, Y. (2024). The Mediation Role of Perceived Risk, Trust, and Perceived Security Toward Intention to Use in the Model of Fintech Application Adoption: An Extension of TAM. KnE Social Sciences, 325. https://doi.org/10.18502/kss.v9i11.15804
Wiranto, H., & Mufti Salis, A. (2025). Pengalaman pengguna dan kepercayaan terhadap keamanan OTP dalam sistem autentikasi dompet digital. Jurnal Pendidikan Informatika Dan Sains, 14(1), 75–83. https://doi.org/10.31571/saintek.v14i1.8897
Andriyani, F., Siagian, B., Suciati, P., & Citra, A. (2025). QRIS ADOPTION AND UTILIZATION: EXAMINING GEN Z’S DIGITAL PAYMENT BEHAVIOR AMONG INDONESIAN VOCATIONAL STUDENTS. Jurnal Vokasi Indonesia, 13(1), 50–63. https://doi.org/10.7454/jvi.v13i1.1233
Anggraini, M. S., Anggraeni, E., & Nurhayati, N. (2024). Pengaruh Persepsi Kepercayaan dan Persepsi Keamanan Terhadap Pelaku Usaha Pada Penggunaan QRIS Sebagai Alat Pembayaran Digital Dalam Persepektif Bisnis Syariah. Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce, 3(3), 160–174. https://doi.org/10.30640/digital.v3i3.3196
Anzie, L. P., Manalu, G., Savitri, S. D. D., Putri, R. O., & Zusrony, E. (2024). STUDY OF GEN Z ACCEPTANCE ANALYSIS IN USING DIGITAL QUICK RESPONSE INDONESIA STANDARD (QRIS) AS A DIGITAL TRANSACTION TOOL. Business and Accounting Research (IJEBAR) Peer Reviewed-International Journal, 8, 962–969. https://jurnal.stie-aas.ac.id/index.php/IJEBAR
Ariningsih, E. P., Wijayanti, W., & Prasaja, M. G. (2022). Intention to Use E-wallet Dilihat dari Perceived Usefulness, Perceived Ease of Use, Perceived Security, dan Trust. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 11(2), 227. https://doi.org/10.30588/jmp.v11i2.916
ASPI. (2026). Statistik QRIS. Asosiasi Sistem Pembayaran Indonesia. aspi-indonesia.or.id/statistik-qris/#
BICARA. (2019). MASIH RIBET DENGAN BANYAK QR CODE? Bank Indonesia, 78.
BPS. (2025). Memahami Generasi Z: Tantangan, Perilaku, dan Peluang. In BPS Kabupaten Gorontalo. https://gorontalokab.bps.go.id/id/news/2025/02/05/30/memahami-generasi-z--tantangan--perilaku--dan-peluang.html
Davis, F. D., & Granić, A. (2024). The Technology Acceptance Model 30 Years of TAM (1st ed.). Springer Cham. https://doi.org/10.1007/978-3-030-45274-2
Dewantoro, R., Sariani, S., & Suriono, H. (2025). Transformation of Generation Z’s consumption behavior in the digital ecosystem: A theoretical review of social media-based marketing strategies. Priviet Social Sciences Journal, 5(5), 102–110. https://doi.org/10.55942/pssj.v5i5.619
Dokoupilová, L., Cogiel, A., & Fero, M. (2024). Values as motivating factors for representatives of generation Z in the Czech Republic and Slovakia within the European context. Frontiers in Psychology, 15, 1–17. https://doi.org/10.3389/fpsyg.2024.1404354
Ekaputra, P. S., Ciptosari, F., & Halim, T. (2024). Adopsi Teknologi Pembayaran Digital QRIS di Kalangan UMKM Labuan Bajo: Tantangan dan Peluang. JAVOK: Jurnal Akademisi Vokasi, 3(2). https://www.researchgate.net/publication/390995482_Adopsi_Teknologi_Pembayaran_Digital_QRIS_di_Kalangan_UMKM_Labuan_Bajo_Tantangan_dan_Peluang
Fadillah, M., Nurbalqis, A., & Agustina, L. (2022). PENGARUH KONTEN DIGITAL TERHADAP GENERASI Z DALAM PEMANFAATAN MEDIA SOSIAL DAN DIGITAL NATIVE DI KOTA TANJUNGPINANG. Al Yazidiy: Ilmu Sosial, Humaniora, dan Pendidikan, 4(2), 1–11. https://doi.org/https://doi.org/10.38194/jurkom.v5i2.653
Fitrian, D. N., Widayanto, & Nugraha, H. S. (2024). Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model. World Journal of Advanced Research and Reviews, 23(2), 073–084. https://doi.org/10.30574/wjarr.2024.23.2.2292
Geraldin, G. R. W. (2026). QRIS Use in Gen Z: The Influence of Lifestyle, Hedonic Motivation, Ease of Use, Perceived Risk Moderated by Financial Literacy [Sekolah Tinggi Ilmu Ekonomi Yogyakarta]. http://repositorybaru.stieykpn.ac.id/3657/1/Gabriela%20Rosellini%20Wisnu%20Geraldin.pdf
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (3rd ed.). SAGE Publications. https://www.sagepub.com/shop/buy-a-book/a-primer-on-partial-least-squares-structural-equation-modeling-pls-sem-3-270548
Hassan, M. S., Islam, M. A., Abdullah, A. B. M., & Nasir, H. (2024). End-user perspectives on fintech services adoption in the Bangladesh insurance industry: the moderating role of trust. Journal of Financial Services Marketing, 29(4), 1377–1395. https://doi.org/10.1057/s41264-024-00268-6
Hussin, N. S. N., & Aziz, Z. A. (2026). Understanding Quick Response Mobile Payment Adoption: An Extended TAM Approach among Malaysian University Students. International Journal of Business and Technopreneurship, 16(2), 161–169. https://ejournal.unimap.edu.my/index.php/ijbt/article/view/2517
Islam, K. M. A., Omeish, F., Islam, S., Sarea, A. M. Y., & Abdrabbo, T. (2024). Exploring individuals’ purchase willingness for cryptocurrency in an emerging context. Innovative Marketing, 20(2), 232. https://doi.org/10.21511/im.20(2).2024.19
Kotjoprayudi, R. B., & Kastaman. (2023). Use of Contactless Payment System to Prevent The Spread of Covid-19 in Indonesia. Accounting Information Systems and Information Technology Business Enterprise, 8(1), 16–30. https://doi.org/10.34010/aisthebest.v8i1.9501
Linh, T. T., & Huyen, N. T. T. (2025). An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam. F1000Research, 14, 127. https://doi.org/10.12688/f1000research.157763.1
Maharani, D. P., Romiza, N., Pasaribu, E., & Febriani, R. E. (2023). Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan di Indonesia Selama Pandemi Covid-19. Ecoplan: Journal of Economics and Development Studies, 6(2). https://doi.org/10.20527/ecoplan.v6i2.676
Mahendra, R. A., Eviyani, E. R., Putri, I. M., Safitri, D., & Budiman, J. (2024). PENGARUH PERCEIVED SECURITY, PERCEIVED BEHAVIOURAL CONTROL, DAN SOCIAL INFLUENCE TERHADAP BEHAVIOURAL INTENTION INDONESIAN STANDARD QUICK RESPONSE (QRIS) PADA GEN-Z DI KOTA BATAM. Economos: Jurnal Ekonomi dan Bisnis, 7(1), 21–31.
Marianus, S., & Ali, S. (2021). Factors Determining the Perceived Security Dimensions in B2C Electronic Commerce Website Usage: An Indonesian Study. Journal of Accounting and Investment, 22(1), 104–132. https://doi.org/10.18196/jai.v22i1.8171
Martini, M., Nurhasan, R., & Alan Kurniawan, D. (2025). Behavior Intention dan Use Behavior Penggunaan QRIS Pada Restoran di Garut: Pendekatan Model UTAUT2. Journal of Sociology Research and Education, 6(1). https://doi.org/10.53682/jpjsre.v6i1.11612
Netshirando, V., Kadyamatimba, A., & Munyoka, W. (2024). Effects of cyber-security and trust issues on consumers’ intention to use E-commerce systems in rural South Africa. International Journal of Research in Business and Social Science (2147- 4478), 13(7), 538–549. https://doi.org/10.20525/ijrbs.v13i7.3535
Nisa, S., & Adinugraha, H. (2024). The Effectiveness of the Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System for MSMEs. Journal of Economics, Management, Accounting and Computer Applications, 34–39. https://jemaca.aks.or.id/index.php/jemaca/index
Poudel, O., & Sapkota, M. P. (2022). Consumer Perception toward Digital Payment System. Management Dynamics, 25(1), 40–50. https://doi.org/10.31
Ramadhan, H. M., & Haidir, V. A. (2024). The Role of Perceived Ease of Use, Perceived Usefulness and Perceived Security on Behavioral Intention to Use Customer of Blu Digital Banking Application (A Case Study on Faculty of Administrative Science, Universitas Brawijaya Student). Ekspektra: Jurnal Bisnis dan Manajemen, 8(2), 122–137. https://doi.org/10.25139/ekt.v8i2
Raninda, R., Wisnalmawati, W., & Oetomo, H. (2022). Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Security, and Cashback Promotion on Behavioral Intention to the DANA E-Wallet. Jurnal Ilmiah Manajemen Kesatuan, 10(1), 63–72. https://doi.org/10.37641/jimkes.v10i1.1218
Sari, A. C., & Adinugraha, H. H. (2022). Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs. EKONOMIKA SYARIAH : Journal of Economic Studies, 5(2). https://doi.org/10.30983/es.v5i2.5027
Septiningrum, L., Agustanta, N., Ahdiyana, M., Wahyu Widianto, H., & Pambudi, A. (2025). The Theoretical Framework of Cashless Payment Systems in Indonesia: Analyzing Condition in Different Era’s. Natapraja, 12(1), 25–42. https://doi.org/10.21831/natapraja.v12i1.85298
Siagian, H., Tarigan, Z. J. H., Basana, S. R., & Basuki, R. (2022). The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform. International Journal of Data and Network Science, 6(3), 861–874. https://doi.org/10.5267/j.ijdns.2022.2.010
Sigit, S. M. (2024). PENGARUH PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, SECURITY DAN TRUST TERHADAP BEHAVIORAL INTENTION TO USE GOPAY LATER. Naureen Digital Education, (4), 518–534.
Silanoi, W., Naruetharadhol, P., & Ponsree, K. (2023). The Confidence of and Concern about Using Mobile Banking among Generation Z: A Case of the Post COVID-19 Situation in Thailand. Social Sciences, 12(4). https://doi.org/10.3390/socsci12040198
Sinaga, O. S., Krisna Marpaung, F., Dewi, R. S., Sudirman, A., Tinggi, S., Ekonomi, I., & Agung, S. (2021). Kontribusi perceived usefulness, perceived ease of use dan perceived security terhadap behavioral intention to use aplikasi JAKET. Insight Management Journal, 1(3), 86–94. https://journals.insightpub.org/index.php/imj
Sinurat, E. M., & Sugiyanto, L. B. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use dan Promosi Penjualan melalui Mediasi Attitude Toward Using dan Perceived Security terhadap Behavioral Intention to Use (Studi Empiris: Pengguna Mobile Wallet di Jakarta). Business Management Journal, 18(1), 17. https://doi.org/10.30813/bmj.v18i1.2820
Sugiyono. (2022). Metode Penelitian Bisnis, Pendekatan Kuantitatif, Kualitatiff, Kombinasi, dan R&D (3rd ed.). Alfabeta. https://cvalfabeta.com/product/metode-penelitian-bisnis-pendekatan-kuantitatif-kualitatiff-kombinasi-dan-rd/
Suyanto. (2023). MENGENAL DOMPET DIGITAL DI INDONESIA. CV. AA. RIZKY.
Wahyungingsih, & Avrianto, A. (2023). QRIS Adoption by MSMEs in the UTAUT Perspective. Business Innovation and Entrepreneurship Journal, 5(4), 2684–8945. https://doi.org/10.35899/biej.v5i3.679
Wijaya, I. D., Astuti, E. S., Yulianto, E., & Abdillah, Y. (2024). The Mediation Role of Perceived Risk, Trust, and Perceived Security Toward Intention to Use in the Model of Fintech Application Adoption: An Extension of TAM. KnE Social Sciences, 325. https://doi.org/10.18502/kss.v9i11.15804
Wiranto, H., & Mufti Salis, A. (2025). Pengalaman pengguna dan kepercayaan terhadap keamanan OTP dalam sistem autentikasi dompet digital. Jurnal Pendidikan Informatika Dan Sains, 14(1), 75–83. https://doi.org/10.31571/saintek.v14i1.8897