Pengaruh Digital Financial Literacy, Perceived Enjoyment, Self-Efficacy, Social Influence, dan Facilitating Conditions terhadap Use Behavior QRIS pada Generasi Z di Kota Bekasi
DOI:
https://doi.org/10.69693/ijmst.v4i3.14031Keywords:
Digital Financial Literacy, Perceived Enjoyment, Self-Efficacy, Social Influence, Facilitating Conditions, Use Behavior, QRISAbstract
Pertumbuhan pembayaran digital menjadikan Quick Response Code Indonesian Standard (QRIS) metode transaksi yang semakin banyak dipakai, tetapi intensitas penggunaannya pada Generasi Z belum merata. Penelitian ini bertujuan menganalisis pengaruh digital financial literacy, perceived enjoyment, self-efficacy, social influence, dan facilitating conditions terhadap use behavior QRIS pada Generasi Z di Kota Bekasi berdasarkan kerangka Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui kuesioner daring dari 200 responden yang dipilih dengan purposive sampling, yaitu Generasi Z berusia 17 sampai 29 tahun yang berdomisili di Kota Bekasi dan pernah menggunakan QRIS. Instrumen terdiri atas 41 pernyataan berskala Likert lima poin yang dinyatakan valid dan reliabel. Data dianalisis dengan regresi linear berganda menggunakan IBM SPSS Statistics 26. Hasil menunjukkan bahwa kelima variabel berpengaruh positif dan signifikan terhadap use behavior QRIS secara parsial, dan secara simultan menjelaskan 62,4% variasi perilaku penggunaan (F = 64,283; p < 0,001). Social influence memiliki koefisien terbesar (B = 0,300), sedangkan digital financial literacy memiliki koefisien terkecil (B = 0,100). Temuan ini memperkuat UTAUT2 dalam menjelaskan perilaku penggunaan QRIS. Penyedia layanan dan Bank Indonesia disarankan memadukan edukasi literasi keuangan digital, pengalaman pengguna yang menyenangkan, dukungan fasilitas, dan pemanfaatan pengaruh lingkungan sosial untuk mendorong penggunaan QRIS yang berkelanjutan.
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