QRIS System Acceptance Factor in Indonesia

Abstract

The digital revolution in the past decade has drastically changed the behavior of economic agent transactions, transaction patterns have shifted to shopping transactions on a digital platform and this requires a completely mobile payment method. Payment of non-cash transactions towards Cashless society is an inevitable trend, this can happen because of the revolution that always occurs in digital payment systems. Although cashless transactions have increased in recent years Based on the survey site katadata.co.id only 49% of the productive population in Indonesia who get financial services most of the population of Indonesia still uses cash in making transactions, this is evidenced by the greater nominal withdrawal transaction cash at ATM machines compared to Cashless transactions (APMK + E-Money) the later only 13% of population. The QRIS system uses the QR code as a method for making transactions. Transaction method using QR has the advantage of not requiring expensive costs for procurement of tools for transactions only requires smartphones to conduct transactions both as consumers and merchants, financial institutions (registered with Bank Indonesia) in addition to banks can also provide a QRIS system for consumers and merchants. The QRIS system has a great potential to increase the acceptance of the Cashless Society because Indonesia has a high penetration for cellular and internet subscription usage. This study found there’s a relation between customer behavior with performance expectancy, Effort expectancy, social influence and Facilitating Condition.