Quick response code Indonesia standard (QRIS) E-payment adoption: customers perspective

Figures & data

Table 1. Question statement.

Variables	Code	Question statements
Performance expectancy (PE)
	PE1	I find e-payment platforms useful in my daily life
	PE2	Using e-payment platforms helps me to achieve my targets
	PE3	E-payment platforms can be used every time and everywhere
	PE4	E-payment platforms increases my productivity
	PE5	E-payment platforms allows for faster financial transactions
Effort expectancy (EE)
	EE1	Learning on how to use e-payment platforms is easy for me
	EE2	e-payment platforms is easily understandable
	EE3	I find e-payment platforms tools are easy to use
	EE4	It is easy for me to become skillful at using e-payment platforms
	EE5	The applications (apps) of e-payment are fast
	EE6	E-payment apps interface is user-friendly
Social influence (SI)
	SI1	People who are important to me think that I should use e-payment platforms
	SI2	People who influence my behavior think that I should use e-payment platforms
	SI3	People whose opinions that I value prefer that I use e-payment platforms
	SI4	I use e-payment platforms because of bank staff’s advice
	SI5	I use e-payment platforms because of persuasion from family and friends
	SI6	Advertisement has influenced me to use e-payment Platforms
	SI7	The usage of e-payment platforms is a status symbol in my environment
Facilitating condition (FC)
	FC1	I have the resources to use e-payment application
	FC2	I have the knowledge to use e-payment application
	FC3	E-payment application are compatible with other technologies that I use
	FC4	I can get help from family when I have difficulties using e-payment application
	FC5	E-payment application can work 24/7 without problems
	FC6	E-payment application is always up to date
	FC7	E-payment application is easy to register as a new user
Intention to adopt (IA)
	IA1	I intend to use e-payment
	IA2	I plan to use e-payment regularly in the next six months
	IA3	In the future, I intend to continue to use e-payments
	IA4	I would highly recommend the use of the e-payment application to others
	IA5	I would use e-payment in my daily transaction

Figure 1. Empirical model.

Table 2. Respondent profile.

Demographic respondent	N	(%)
Gender
Male	99	50.77
Female	96	49.23
Education
Elementary School	0	00.00
Junior High School	1	00.51
Senior High School	22	11.28
University	172	88.21
Age (years)
Gen Z (<27 years old)	39	20.00
Gen Y (27 – 42 years old)	90	46.15
Gen X (43 – 58 years old)	59	30.26
Boomers (> 58 years old)	7	03.59
Occupation
Government employees	19	09.74
Government company employees	9	04.62
Private company employees	59	30.26
Entrepreneurs	22	11.28
Teacher/Lecturer	26	13.33
Student University	32	16.41
Others	28	14.36
Monthly spending
<5 million	99	50.77
6–10 million	63	32.31
11–20 million	22	11.28
>20 million	11	05.64
QRIS experience
Yes	136	69.74
No	59	30.26

Source: Authors Finding, 2023.

Table 3. Measurement model evaluation.

Construct	Loading	AVE	Alpha	CR
Performance expectancy		0.654	0.868	0.904
PE1	0.871
PE2	0.781
PE3	0.757
PE4	0.812
PE5	0.796
Effort expectancy		0.740	0.929	0.740
EE1	0.831
EE2	0.907
EE3	0.886
EE4	0.813
EE5	0.857
EE6	0.864
Facilitating condition		0.624	0.883	0.624
FC1	0.778
FC2	0.837
FC3	0.854
FC5	0.751
FC6	0.785
FC7	0.723
Social influence		0.551	0.864	0.894
SI1	0.811
SI2	0.846
SI3	0.860
SI4	0.659
SI5	0.704
SI6	0.731
Intention to adopt		0.789	0.933	0.949
IA1	0.863
IA2	0.851
IA3	0.921
IA4	0.924
IA5	0.881

Source: Authors Finding, 2023.

Figure 2. Structural equation modeling out put.

Table 4. Structural model.

Relationships	Path coefficients
	Estimate	t-Statistic	p-Value
Direct effect
Performance expectancy (PE) on intention to adopt	0.059	0.451	0.652
Effort expectancy (EE) on intention to adopt	0.183	1.437	0.151
Social influence (SI) on intention to adopt	0.235	3.581	0.000*
Facilitating condition (FC) on intention to adopt	0.489	5.458	0.000*
Moderating effect
PE*respondent characteristic on intention to adopt	−0.004	0.027	0.978
EE*respondent characteristic on intention to adopt	0.054	0.343	0.664
SI*respondent characteristic on intention to adopt	−0.005	0.054	0.957
FC*respondent characteristic on intention to adopt	−0.080	0.664	0.507

CR* = Significant at 0.5 level.