CIMAHI – The adoption of Quick Response Code Indonesian Standard or QRIS digital payments among young consumers is no longer driven purely by perceived technological advantages, but rather by established habits and supporting infrastructure. A 2026 scientific study conducted by Rhaisya Agustian Candra Purnama and Novi Susyani from Universitas Jenderal Achmad Yani examined the core factors shaping students' behavioral intentions and actual usage of QRIS in Cimahi City. This research provides valuable empirical insights into digital financial inclusion by identifying the gap between positive technology perceptions and sustained payment behavior.
Despite the rapid expansion of QRIS infrastructure across West Java and Cimahi City, digital payment adoption faces ongoing security concerns, including fraudulent QRIS codes and technical transaction failures. While university students view digital transactions favorably in terms of convenience and speed, these positive ratings do not automatically translate into strong intentions for continued use. This phenomenon highlighted the need to investigate the underlying behavioral mechanisms that actually drive students to maintain QRIS usage in their daily routines.
To examine these relationships, the researchers applied an extended UTAUT2 model, positioning behavioral intention as a mediating variable between seven technology constructs and actual use behavior. The quantitative study gathered data from 311 QRIS-using students across Cimahi City higher education institutions, including Universitas Jenderal Achmad Yani, STKIP Pasundan, and IKIP Siliwangi, using purposive sampling. Primary survey data were evaluated via Partial Least Squares - Structural Equation Modeling or PLS-SEM to determine both direct and indirect structural effects.
The research findings demonstrate that behavioral intention exerts a direct, positive, and significant effect on actual QRIS use behavior. Among the seven UTAUT2 constructs evaluated, habit was identified as the sole significant predictor of behavioral intention, while also indirectly driving actual use behavior through intention. Furthermore, facilitating conditions—such as mobile network availability, smartphone access, and merchant readiness—directly influenced actual usage behavior without requiring prior intention formation.
Conversely, the study revealed that performance expectancy, effort expectancy, social influence, hedonic motivation, and price value showed no statistically significant effects on behavioral intention or use behavior. These results indicate that transaction ease and functional utility are now viewed as standard features of digital payments rather than decisive adoption drivers. Consequently, sustained QRIS usage among university students depends primarily on automated transaction habits and supportive physical infrastructure.
These findings offer practical implications for Bank Indonesia, payment service providers, local governments, and academic institutions. Rather than relying on broad promotional campaigns highlighting general technology benefits, stakeholders are advised to focus on habit-formation initiatives, such as repeat transaction incentives and expanding QRIS integration across campus facilities. Strengthening system stability and security remains crucial for reinforcing digital financial adoption.
This study was authored by Rhaisya Agustian Candra Purnama and Novi Susyani from the Department of Management, Faculty of Economics and Business, Universitas Jenderal Achmad Yani, Indonesia.
Author Profile:
Rhaisya Agustian Candra Purnama, Novi Susyani (Universitas Jenderal Achmad Yani)
Research Source:
Article Title: Analysis of Factors Influencing Students' Intention to Adopt QRIS Digital Payment Using the UTAUT2 Model with Behavioral Intention as a Mediating Variable in Cimahi City
Journal: International Journal of Scientific Multidisciplinary Research (IJSMR), Vol. 4, No. 9, 2026, pp. 2143-2160
DOI: https://doi.org/10.55927/ijsmr.v4i9.157
Journal Link: https://journalijsmr.my.id/index.php/ijsmr
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