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

Abstract

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...