The Influence of Perceived Convenience, Perceived Security Risk, Perceived Lifestyle on Decisions as a Digital Payment Tool in East Java

Dublin Core

Title

The Influence of Perceived Convenience, Perceived Security Risk, Perceived Lifestyle on Decisions as a Digital Payment Tool in East Java

Creator

Irma Tri Mei Tjahya Ningsih

Proceedings Item Type Metadata

meta_title

The Influence of Perceived Convenience, Perceived Security Risk, Perceived Lifestyle on Decisions as a Digital Payment Tool in East Java

Abstract/Description

The advancement of digital technology has significantly transformed payment systems in society, including the increasing use of QRIS (Quick Response Code Indonesian Standard) as a cashless payment method. This study aims to examine the influence of perceived ease of use, security risk, and lifestyle on the decision to use QRIS among the people of East Java. A quantitative approach with a causal-comparative method was employed in this research. Data were collected through questionnaires distributed to QRIS users across the region. Multiple linear regression analysis was used to evaluate the relationships among the variables. The findings indicate that both perceived ease of use and lifestyle have a positive and significant effect on QRIS usage decisions, while perceived security risk has a significant negative influence. These results suggest that enhancing QRIS adoption requires attention to user convenience, alignment with modern lifestyles, and increased trust in system security from both service providers an...

publication_date

2025/06/20

pdf_url

https://insyma.org/proceedings/files/articles/DONE_Irma Tri.pdf

abstract_html_url

https://insyma.org/proceedings/items/show/523

keywords

Perceived Convenience, Perceived Security Risk, Perceived Lifestyle, Digital Payment Tool, QRIS, East Java, Quantitative Research, Multiple Linear Regression

firstpage

1293

lastpage

1295

issn

3047-857X

conference

Proceedings of the International Symposium on Management (Volume 21, 2024)

Volume

22

publisher_name

Fakultas Bisnis dan Ekonomika, Universitas Surabaya

Author #1

Irma Tri Mei Tjahya Ningsih

Author #2

Krissantina Eferyn

Author #3

Priyo Priyantoro

no article

211

authors

Irma Tri Mei Tjahya Ningsih, Krissantina Eferyn, Priyo Priyantoro

Files

DONE_Irma Tri.pdf

Citation

Irma Tri Mei Tjahya Ningsih, “The Influence of Perceived Convenience, Perceived Security Risk, Perceived Lifestyle on Decisions as a Digital Payment Tool in East Java,” Proceedings of the International Symposium on Management (INSYMA), accessed July 1, 2025, https://insyma.org/proceedings/items/show/523.

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