The Influence of Perceptions of Ease, Benefits, and Trust on Interest in Using QRIS among Nuubar MSMEs

Abstract

This study aims to analyze the influence of perceptions of ease, benefits, and trust on people's interest in using QRIS as a payment method at Nuubar SMEs in Belakang Padang. The research method used a quantitative approach by distributing questionnaires to 155 respondents who had made transactions at these SMEs during the data collection period. Data analysis was conducted using multiple linear regression. The results showed that ease of use and trust significantly influenced interest in using QRIS, while perceived benefits did not have a significant influence. The Adjusted R-Squared value of 0.196 indicates that the three variables explain 19.6% of the variation in interest in using QRIS. These findings reinforce the relevance of the Technology Acceptance Model (TAM) with the addition of the trust variable as an important factor in the acceptance of digital financial technology, and provide implications for MSMEs to improve customer education and confidence in the security of digital transactions.