Pengaruh Kemudahan Penggunaan, Persepsi Manfaat dan Persepsi Risiko terhadap Minat menggunakan QRIS pada UMKM
Abstract
This study aims to analyze the influence of perceived ease of use, perceived usefulness, and perceived risk on the intention to use QRIS among MSMEs in Lowokwaru District, Malang. Data were collected through questionnaires from 100 respondents and analyzed using multiple linear regression with SPSS 27. The results show that perceived ease of use and perceived usefulness have a positive and significant effect on usage intention, while perceived risk has no significant effect. The Adjusted R² value of 0.391 indicates that the three variables explain 39.1% of the variation in the intention to use QRIS. These findings imply the importance of improving ease and usefulness to encourage wider QRIS adoption. The study is limited by its geographical scope and sample size. Future research is suggested to expand the study area and include additional variables such as digital literacy or infrastructure support.
Keywords: Perceived ease of use, perceived usefulness, perceived risk, usage intention qris, msmes.
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