Generation Z's Decision to Use QRIS in Mataram City: UTAUT Model

Abstract

In Mataram City, West Nusa Tenggara, this study employs the Unified Theory of Acceptance and Use of Technology (UTAUT) paradigm to investigate the factors influencing Generation Z's adoption of the Quick Response Code Indonesian Standard (QRIS). Using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method, 128 participants were included in a quantitative analysis to examine how performance expectations, effort expectations, social influences, and facilitating conditions affect behavior and intentions when using QRIS. The findings indicate that performance expectancies, social influences, and environmental factors all have a significant impact on behavioral intentions, even when effort expectancies do not directly affect them. Furthermore, a noteworthy correlation was also observed among QRIS use, behavioral intents, and enabling situations. These results emphasize how crucial it is to address issues like social influence, performance expectations, and other motivators in order to promote Generation Z's adoption of QRIS in Mataram City and bolster Indonesia's digital payments ecosystem.