The findings show that Perceived Ease of Use and Perceived Usefulness jointly explain 45.6% of the variation in residents’ intention to use QRIS. The remaining 54.4% is associated with other factors not examined in the study.
The research, published in the International Journal of Management and Business Intelligence (IJMBI), Volume 4, Number 4, 2026, provides insight into why users decide to continue adopting QRIS as part of their everyday payment activities.
QRIS Adoption Continues to Grow
QRIS has become an increasingly important component of Indonesia’s digital payment ecosystem. According to data cited in the study from ASPI (2026), QRIS transactions increased dramatically from 66 million transactions in the first quarter of 2022 to 1.847 billion transactions by the end of 2025.
The growth was also reflected in transaction value and the number of users. The nominal value of QRIS transactions increased from approximately IDR 12 trillion at the end of 2022 to IDR 170 trillion by the end of 2025. During the same period, the number of users rose from 29 million to 60 million.
West Kalimantan also recorded continued growth. The number of QRIS users increased from 648,535 in 2023 to 716,677 in 2024, representing growth of 10.51%. By 2025, the number reached 756,790 users, an additional increase of 5.60%.
Despite this expansion, users may still encounter practical problems, including unsuccessful QR scanning, slow applications, PIN verification procedures, and dependence on a stable internet connection. These experiences can influence whether users perceive QRIS as convenient and beneficial.
How Ease of Use Influences Intention
The study defines Perceived Ease of Use as the extent to which individuals believe that a technology can be used without requiring substantial effort.
For QRIS users, this perception can be shaped by how easily they learn the system, how simple the payment process is, the availability of technical support, and whether the necessary resources are accessible.
The statistical results indicate a positive and significant relationship between Perceived Ease of Use and Intention to Use QRIS.
The regression coefficient for Perceived Ease of Use was 0.334, with a t-value of 5.018 and a significance level below 0.001. The standardized beta coefficient was 0.419.
This means that as users perceive QRIS as easier to understand and operate, their intention to use the system also tends to increase.
Among the two factors examined, ease of use showed the stronger statistical influence.
Usefulness Also Encourages QRIS Adoption
Perceived Usefulness was the second factor examined in the research. It refers to the extent to which users believe that a technology can improve the effectiveness of their activities.
In the context of QRIS, usefulness can include the effectiveness of digital payments, advantages compared with other payment methods, suitability for users’ activities, and relevance to their daily transactions.
The results also showed a positive and significant effect.
Perceived Usefulness produced a regression coefficient of 0.282, a t-value of 4.519, and a significance level below 0.001. Its standardized beta coefficient was 0.377.
The findings indicate that users who consider QRIS beneficial and relevant to their payment needs are more likely to intend to use it.
Two Factors Explain Nearly Half of Intention
The researchers used multiple linear regression to examine the combined influence of the two independent variables.
The resulting regression equation was:
Y = 1.669 + 0.334X₁ + 0.282X₂
The model produced an R value of 0.676 and an R² value of 0.456. The adjusted R² was 0.445.
The simultaneous test also confirmed that Perceived Ease of Use and Perceived Usefulness significantly influence Intention to Use QRIS. The F-statistic was 40.707, with a significance level below 0.001.
In practical terms, the findings suggest that QRIS adoption is not determined simply by the availability of digital payment technology. Users also need to feel that the system is straightforward and provides meaningful benefits.
Implications for Digital Payment Services
The findings provide several practical considerations for improving QRIS adoption.
First, payment providers should continue developing simple and user-friendly payment processes. Complicated procedures may discourage users, particularly those who are less familiar with digital technology.
Second, system reliability and transaction speed remain important. Problems such as scanning failures, slow applications, or unstable transaction processes can weaken users’ perceptions of convenience.
Third, clear instructions and user education can help users understand how to use QRIS effectively. Increasing users’ knowledge may also strengthen their perception of the technology’s usefulness.
Finally, broader merchant acceptance can make QRIS more valuable to consumers because users can rely on the system across more types of transactions.
Other Factors May Still Matter
Although the two variables explained 45.6% of intention to use QRIS, more than half of the variation remains unexplained.
The researchers therefore suggest that future studies examine additional factors such as security, trust, perceived risk, social influence, habit, digital literacy, service quality, and supporting facilities.
Future research could also involve larger samples and respondents from different geographical areas. Qualitative or mixed-method approaches could provide deeper insight into users’ experiences and the reasons behind their decisions to adopt or avoid QRIS.
About the Researchers
The research was conducted by Priyasha Haryanti, Muhammad Ebuziyya Alif Ramadhan, and Sukardi, from the Faculty of Economics and Business, Universitas Muhammadiyah Pontianak.
Their research contributes to the growing discussion surrounding digital payment adoption in Indonesia, particularly by highlighting the importance of user experience and perceived benefits in encouraging QRIS usage.
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