PENGARUH KEMUDAHAN DAN KEAMANAN QRIS TERHADAP KEPUTUSAN PEMBELIAN UMKM KULINER: STUDI KASUS PENGUNJUNG CFD PALANGKA RAYA
DOI:
10.54443/sibatik.v5i4.4584Published:
2026-03-31Downloads
Abstract
Digital transformation in payment systems through the Quick Response Code Indonesian Standard (QRIS) has become a key pillar of MSME modernization in Indonesia. However, the adoption of this technology in dynamic public spaces such as Car Free Day (CFD) still faces challenges related to user perceptions regarding operational aspects and data protection. This study aims to empirically analyze the influence of QRIS ease of use and security on consumer purchase decisions at culinary MSMEs in CFD Palangka Raya. A quantitative research approach with a causal associative method was employed. Data were collected through questionnaires from 100 respondents selected using purposive sampling technique at the CFD Palangka Raya research site, with a Likert scale questionnaire instrument. The data analysis techniques applied included classical assumption tests and multiple linear regression analysis using SPSS statistical software to examine the relationships between variables both partially and simultaneously. The results indicate that the ease of use and security variables have a positive and significant influence on consumer purchase decisions. Simultaneously, both variables contribute 62.4% to the variation in purchase decisions, as indicated by the coefficient of determination (R²) value of 0.624. These findings suggest that the efficiency of transaction procedures and system security guarantees are the main determinant factors in strengthening public trust and interest in digital transactions in open public spaces.
Keywords:
Ease of Use Security QRIS Purchase Decision MSMEReferences
Cahyani, N. D., & Abrianto, H. (2025). Pengaruh Transaksi Cashless dan Kemudahan Menggunakan QRIS Terhadap Keputusan Pembelian Generasi Z di Kota Bekasi. 4(2), 6717–6724.
Calya Dini Daniswara, Vincent Didiek Wiet Aryanto, Ana Kadarningsih, & Diana Aqmala. (2025). Dampak Penggunaan Qris, Persepsi Kemudahan Dan Risiko Keamanan Dengan Variabel Mediasi User Experience Terhadap Keputusan Pembelian Makanan Di Resto Tom Sushi. Manajemen, 5(1), 140–152. https://doi.org/10.51903/manajemen.v5i1.962
Dangelico, R. M., Bari, P., Ceccarelli, G., & Fraccascia, L. (2024). Consumer behavioral intention toward sustainable biscuits : An extension of the theory of planned behavior with product familiarity and perceived value ecosystems. March, 5681–5702. https://doi.org/10.1002/bse.3774
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Du, S., Hashim, N., & Kamarudin, S. (2024). Unveiling the Technology Acceptance Model : A Systematic Review of Evolution , Impact Across Industries and Future Directions. 22, 1220–1240.
Fadhilah, S. A., Nugroho, J. A., & Sangka, K. B. (2024). Pengaruh Kemudahan dan Keamanan terhadap minat menggunakan Quick Response Code Indonesian Standard Pada Pelaku UMKM Binaan Bank Indonesia KPW Solo. BISE: Jurnal Pendidikan Bisnis Dan Ekonomi, 7(3), 1–7.
Fitri Raudah Rahmah, Nur Rahayu Sabrina Damayanti, Rafly Armazumi, & Zul Azmi. (2024). Penggunaan QRIS Untuk Kemudahan Pembayaran Digital Dari Perspektif Kepuasan Konsumen. Akuntansi, 3(1), 82–90. https://doi.org/10.55606/akuntansi.v3i1.1468
Haryanti Dwi Putri. (2023). Bab iii metode penelitian 3.1. 28–37.
Iswanto, Ishak, Nurul Septya Magisa, F. E. (2025). Pelatihan Qris Bagi Umkm Tradisional Untuk Mendukung Transaksi Non-Tunai Di Siantan. 6(3), 4108–4113.
Kubilay, E., Raiber, E., Spantig, L., Cahlíková, J., & Kaaria, L. (2023). Can you spot a scam ? Measuring and improving scam identification ability. Journal of Development Economics, 165(June), 103147. https://doi.org/10.1016/j.jdeveco.2023.103147
Puspitasari, A. (2025). Transformasi Sektor Keuangan dan Pembayaran Digital di Indonesia. ORGANIZE: Journal of Economics, Management and Finance, 4(2), 145–154.
Putri Handayani Leksono, N. (2023). Optimalisasi Sistem Pembayaran Quick Respone Code Indonesian Standard (QRIS) Dalam Mewujudkan Inklusi Keuangan. Jurnal Nuansa: Publikasi Ilmu Manajemen Dan Ekonomi Syariah, 1(3), 362–370. https://journal.arimbi.or.id/index.php/Nuansa/article/view/752%0Ahttps://journal.arimbi.or.id/index.php/Nuansa/article/download/752/713
Reinhardt, D., & Hurtienne, J. (2024). Measuring Intuitive Use : Theoretical Foundations Measuring Intuitive Use : Theoretical Foundations. International Journal of Human–Computer Interaction, 40(10), 2453–2483. https://doi.org/10.1080/10447318.2023.2166204
Riza, A. A., Aditya, A., & Nusantara, U. B. (2025). Evaluating the impact of trust and security on e-wallet adoption : insights from the UTAUT2 model in Indonesia. 13(2), 101–110.
Rizky, M., Hayati, I., & Ruzky, U. D. (2024). Pengaruh Keamanan Layanan Terhadap Keputusan Penggunaan Qris Bank Syariah Bagi Mahasiswa Fakultas Agama Islam Umsu. Krigan: Journal of Management and Sharia Business, 1(1). https://doi.org/10.30983/krigan.v1i1.6522
Sugiyono. (2023). METODE PENELITIAN KUANTITATIF, KUALITATIF, DAN R&D.
Wahyudi, R., & Surabaya, U. N. (2022). PEMBELIAN ITEM VIRTUAL PADA GAMES ONLINE. 1(5), 563–578.
Wardhana, A. (2024). PROSES KEPUTUSAN PEMBELIAN KONSUMEN (pp. 103–122).
Zargar, N. A., Handoyo, R. D., Heiqbaldi, U., Ibrahim, K. H., Ali, U., & Ula, E. N. (2023). Adoption of Cashless Economy: A Review. Manajemen Dan Bisnis, 22(2), 74. https://doi.org/10.24123/jmb.v22i2.701
License
Copyright (c) 2026 Krisna, Lelo Sintani, Gema Borneo Poetra, Meylinda Sukmani
This work is licensed under a Creative Commons Attribution 4.0 International License.
Downloads
How to Cite
