Exploring the Factors Influencing the Adoption of QRIS as a Digital Payment in Indonesia

  • Saripudin Perbanas Institute
  • Rizki Yuniarti Perbanas Institute
  • Diah Ernawati Perbanas Institute
Keywords: QRIS; Assessing Attitudes; Intentions; Ease of Use; Subjective Norms; Intentions, Ease of Use.


The adoption of digital payment systems has been on the rise globally, with Quick Response Code Indonesian Standard (QRIS) being one of the popular options in Indonesia. Despite the potential benefits of QRIS, such as convenience and increased security, the adoption rate has been relatively slow. To understand the drivers for adoption of QRIS, this study examines the attitudes, intentions, ease of use, usefulness, and subjective norms that influence the adoption of QRIS as a digital payment system. A survey was conducted among Indonesian consumers, and the data were analyzed using structural equation modeling. The findings revealed that attitudes, intentions, ease of use, and usefulness positively influence the adoption of QRIS. Subjective norms, on the other hand, did not have a significant effect on QRIS adoption. The results suggest that Indonesian consumers perceive QRIS as a useful and easy-to-use payment method, and they have a positive attitude towards it. This study contributes to the existing literature on digital payment adoption by providing insights into the factors that influence the adoption of QRIS. The findings of this study have important implications for policymakers and businesses in Indonesia, as they can use this information to promote the adoption of QRIS as a digital payment system. Overall, this study highlights the need to consider consumer attitudes, intentions, ease of use, and usefulness when designing and promoting digital payment systems like QRIS.


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Author Biographies

Saripudin, Perbanas Institute


Rizki Yuniarti, Perbanas Institute


Diah Ernawati, Perbanas Institute



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How to Cite
Saripudin, S., Yuniarti, R., & Ernawati, D. (2023). Exploring the Factors Influencing the Adoption of QRIS as a Digital Payment in Indonesia. The Journal of Management Theory and Practice (JMTP), 4(1), 53-59. https://doi.org/10.37231/jmtp.2023.4.1.322
Marketing & Management