Analisis Faktor Yang Mempengaruhi Keputusan Penggunaan Qris Pada Gen Z

Abstract

In today's digital era, QRIS has become a widely used payment method in Indonesia. Generation Z, born between 1997 and 2012, is very adaptive to digital growth, one of which is QRIS. However, their choice to use QRIS is not only influenced by technological convenience but also by factors such as security and trust. This study aims to analyze the influence of convenience, trust, and the decision to use QRIS on generation Z. This study uses a quantitative approach with a sample of 40 out of 60 selected respondent data and all of them are active and passive QRIS users. Data were collected through an online questionnaire and analyzed using descriptive statistics, and various tests including validity, reliability, multicollinearity, beteteskedasticity tests, heteroscedasticity tests. simple linear regression analysis, partial t-test, simultaneous f-test and coefficient of determination test. The results show that convenience and trust have a significant influence on the decision to use QRIS, while security does not have a significant influence on this demographic. These findings highlight that for Generation Z, ease of use and trust in the system are the main factors driving QRIS adoption, while security issues are less of a concern in their decision-making process. This insight provides important implications for digital payment providers who want to increase usage by focusing more on improving the user experience and can build more trust. Keywords: Qis, convenience, security, trust, generation z, digital payments.