THE INFLUENCE OF DIGITAL LITERACY, PERCEPTION OF USEFULNESS, EASE AND RISK ON USERS OF BSI MOBILE QRIS ON CUSTOMERS OF SYARIAH BANK INDONESIA KCP SUNGAI DANAU
Keywords:
Digital Literacy, Perceived Usefulness, Perceived Ease, Perceived Risk, Users, QRIS, BSI Mobile, Sharia BankAbstract
This study is motivated by the increasing use of digital technology in the banking sector, including among Islamic bank customers in Indonesia. QRIS BSI Mobile is one of the innovations offered to facilitate financial transactions. This study aims to analyze the influence of digital literacy, perception of usefulness, perception of ease, and perception of risk on QRIS BSI Mobile users on Bank Syariah Indonesia KCP Sungai Danau customers. This study is a field study with a quantitative approach. The research method used is Warp PLS software version 0.7, which is a statistical analysis tool based on Partial Least Squares (PLS). The subjects of the study were customers of PT Bank Syariah Indonesia KCP Sungai Danau. The data collection technique was through questionnaires distributed to customers who had used or knew about QRIS BSI Mobile. The results of this study indicate that digital literacy has a positive and significant influence on QRIS BSI Mobile users. Perception of usefulness also proved to have a positive and significant effect, indicating that the more customers feel QRIS BSI Mobile is useful, the more customers will use it. In addition, perception of ease shows a positive and significant effect, where ease of use increases users to use QRIS BSI Mobile. On the other hand, risk perception has a negative and significant influence, meaning that the higher the perceived risk, the fewer customers are willing to use QRIS BSI Mobile.References
Abidin, M. Z., & Hafizah, Y. (2019). Conflict and Integration in The Salafi-Wahabi Purification Movement in South Kalimantan. Wawasan: Jurnal Ilmiah Agama Dan Sosial Budaya, 4(2), 191–201. https://doi.org/10.15575/jw.v4i2.6194
Abidin, M. Z., Sabirin, M., Hafizah, Y., & Yuseran, M. (2023). Policies and Strategies for Improving the Research and Scientific Publications Quality at State Islamic Religious Colleges in Kalimantan . Millah: Journal of Religious Studies, 22(1), 61–94. https://doi.org/10.20885/millah.vol22.iss1.art3
Agustina, K. E., & Musmini, L. S. (2022). Pengaruh Pengetahuan, Kemudahan Penggunaan, dan Kredibilitas Terhadap Minat Penggunaan Quick Response Code Indonesian Standard (QRIS) (Studi Pada Generasi Z di Provinsi Bali). Vokasi : Jurnal Riset Akuntansi, 11(2), 127–137. https://doi.org/10.23887/vjra.v11i02.49376
Anshary, A. H., Faridah, R., Qamaruddin, M., Ma’mun, M. Y., & Aseri, A. F. (2023). Positive Attitudes Towards Digital Wallets in Banjarmasin, Indonesia. Proceedings of the International Conference on Intellectuals’ Global Responsibility (ICIGR 2022), 379–388. https://doi.org/10.2991/978-2-38476-052-7_42
Azhari, F. (2021). The habibs’ polygamy lives with ahwal women (A case study in Banjar regency, South Kalimantan, Indonesia). Kasetsart Journal of Social Sciences, 42(1), 159–164. retrieved from https://so04.tci-thaijo.org/index.php/kjss/article/view/249460
Azhari, F. ., Hariyanto, & Hidayat, M. R. . (2023). Giving jujuran in socio-cultural marriage of Banjar Community. Kasetsart Journal of Social Sciences, 45(1), 215–224. retrieved from https://so04.tci-thaijo.org/index.php/kjss/article/view/269485
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance Of Computer Technology: A Comparison Of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
Erwinsyah, E., Ningsih, K. E., Syahruddin, S., & Anjelita, K. (2023). Pengaruh Persepsi Kemudahan Penggunaan Dan Persepsi Kegunaan Terhadap Niat Untuk Menggunakan Dan Penggunaan Aktual Teknologi Pembayaran Digital QRIS. Jurnal Ekonomi & Manajemen Indonesia, 23(1), 22–36. https://doi.org/10.53640/jemi.v23i1.1337
Faridah, R., Mamun, M. Y., Qamaruddin, M., Naimah, & Badrian. (2023). Analysis of Consumer Attitude Towards Online Transportation in Banjarmasin. Proceedings of the International Conference on Sustainability in Technological, Environmental, Law, Management, Social and Economic Matters (ICOSTELM 2022), 54–60. https://doi.org/10.2991/978-2-38476-112-8_7
Fitri Wulandari and Syaugi Mubarak (2021). Islamic work ethics and lecturer performance: Mediating roles of person-organization fit and innovation in learning activities. Problems and Perspectives in Management, 19(3), 22-32. doi:10.21511/ppm.19(3).2021.03
Fitri Wulandari and Syaugi Mubarak (2021). Islamic work ethics and lecturer performance: Mediating roles of person-organization fit and innovation in learning activities. Problems and Perspectives in Management, 19(3), 22-32. doi:10.21511/ppm.19(3).2021.03
Hamid, N., Muhaimin, M., Purwantoro, A., Muhari, M. D. A., Martial, T., & Munizu, M. (2023). Do Workload And OCB Affect Employee Performance Moderated by Satisfication?. Journal of Law and Sustainable Development, 11(4), e582. https://doi.org/10.55908/sdgs.v11i4.582
Hidayat, M. R., Rusdiana, R., & Komarudin, P. (2021). Strategi pendidikan kewirausahaan di sekolah dasar alam muhammadiyah banjarbaru. AdBispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 6(2), 125-138.
Hidayat, R., Aseri, A., & Hanafiah, M. (2023). Legalization of Informal Hibah and Wasiat through Isbat Hibah and Wasiat in Religious Courts. Mazahib, 22(1), 89-128. https://doi.org/10.21093/mj.v22i1.5152
Hidayati, T., Umar, M., & Azhari, F. (2022). Political Reorientation of Indonesian Sharia Economic Law: Legal Politic of Trade Law on Sharia Multilevel Marketing. Mazahib, 21(2), 245-290. https://doi.org/10.21093/mj.v21i2.4971
Hidayati, T., Umar, M., Azhari, F., & Abas, M. (2023). THE LEGAL CONSTRUCTION OF LICENSING AND SUPERVISION OF SHARIA MULTILEVEL MARKETING IN INDONESIAN TRADE LAW. Jurisdictie: Jurnal Hukum dan Syariah, 13(2), 237 - 263. doi:https://doi.org/10.18860/j.v13i2.17989
Hidayatullah, M. S., Azhari, F., Yusuf, M., & Fadillah, R. (2024). Reconceptualization of Ideal Islamic Bankers in The Sharia Framework (An Effort to Create a Sharia Compliance Ecosystem). Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies, 20(1), 107–127. https://doi.org/10.18196/afkaruna.v20i1.21393
Huda, N., Dahliana, D., & Aseri, A. F. (2023). Improving The Quality of Prophetic Intelligence-Based Moral Education Programs with the CIPP Model. Eurasian Journal of Educational Research, 107(107), Article 107.
Juhaidi, A., Fitria, A., Hidayati, N., Syaifuddin, Ridhahani, Aseri, A. F., Umar, M., Aseri, M., & Riza, M. (2023). Digital Citizenship of Generation Z in Indonesia: Does Islamic Higher Education Matter? Journal of Higher Education Theory and Practice, 23(13), 165–181. https://doi.org/10.33423/jhetp.v23i13.6325
Kotler, & Keller. (2014). Marketing Management (15th ed.). Pearson Prentice Hall.
Kusumadewi, M. R., Aseri, A. F., & Seff, S. M. (2022). E-Procurement in the Procurement System for Goods/Services by the Government in Indonesia: Perspective of Saddu al-Dhariah. Ulul Albab: Jurnal Studi Dan Penelitian Hukum Islam, 6(1), 101–122. https://doi.org/10.30659/jua.v6i1.36682
Makiah, Z. (2021). REKONSILIASI ISLAM DAN SAINS DALAM PERSPEKTIF NIDHAL GUESSOUM. Khazanah: Jurnal Studi Islam Dan Humaniora, 19(1), 61–82. https://doi.org/10.18592/khazanah.v19i1.4150
Makiah, Z., Hasan, N., Aisyah, L., & Sodiqin, A. (2022). A CONVERGENCE IN A RELIGION COMMODIFICATION AND AN EXPRESSION OF PIETY IN HALAL CERTIFICATION. Khazanah: Jurnal Studi Islam Dan Humaniora, 20(2), 153–170. https://doi.org/10.18592/khazanah.v20i2.7113
Mubarak, F., Mukhtar, H., Wahyuddin, W., Mahmudah, M., & Syaugi, S. (2021). العبارات الاصطلاحية في القرآن الكريم (دراسة تحليلية دلالية في سورة آل عمران) / The Idiom in al-Qur’an al-Karim (Semantic Analysis in Surah Āl Imran). Diwan: Jurnal Bahasa Dan Sastra Arab, 7(2), 139-159. https://doi.org/10.24252/diwan.v7i2.22375
Mubarak, S. (2023). Implementing the Fiqh of Disaster in Islamic Criminal Law Perspective and Legal Relevance of Mui’s Fatwas during the COVID-19 Pandemic. International Journal of Criminal Justice Sciences, 18(1), 79–96.
Mubarak, Z., Faridah, R., Yuliani, R., Sukarni, S., & Fong, M. (2023). Does Sharia Dormitory Business Unit support Islamic University Sustainability? Market, Financial, and Maqashid Sharia Analysis. Ikonomik: Jurnal Ekonomi dan Bisnis Islam, 8(1). https://ejournal.radenintan.ac.id/index.php/ikonomika/article/view/15990
Muhaimin, Subhan, M., Anshary, A. H., Azhari, F., & Haisy, N. (2023). Use of Hajj Funds for Infrastructure Development: A Review of Deposit Contract and Use of Hajj Funds. Journal of Law and Sustainable Development, 11(10), 1–17. https://doi.org/10.55908/sdgs.v11i10.852
Noval, M., Raharjanti, R., & Ali, M. A. (2020). Ownership on Islamic Economic Perspective and Director Ownership on Sharia Companies with Moderation Roles of Independent Commissioners. Jurnal Ekonomi dan Bisnis Islam, 5(1), 17-42.
Nurdien, F. G., & Galuh, A. K. (2023). Pengaruh Literasi Keuangan dan Literasi Digital Terhadap Preferensi Menggunakan QRIS BSI Mobile (Studi Kasus Gen Z di Kota Malang). Islamic Economics and Finance in Focus, 2(4), 588– 601.
Rasyid, M., Aseri, A. F., Sukarni, S., & Aseri, M. (2023). Scientific Consideration in the Concept of Islamic Law in Indonesia : A Study on The Fatwas of Falakiyah Of MUI. Al-Daulah: Jurnal Hukum Dan Perundangan Islam, 13(2), 202–229. https://doi.org/10.15642/ad.2023.13.2.202-229
Rasyid, M., Aseri, M., Sukarni, S., Aseri, A. F., & Faid, M. S. (2023). Science And Its Role In Changes In Islamic Legal Thought (An Analysis Of Changes In The Fatwa Of The Indonesian Ulema Council Due To Recent Scientific Findings). Syariah: Jurnal Hukum dan Pemikiran, 23(2). https://doi.org/10.18592/sjhp.v23i2.11361
Riinawati, R. (2022). Building Public Accountability Through Financial Management in Madrasah. AL-TANZIM: Jurnal Manajemen Pendidikan Islam, 6(1), 268–280. https://doi.org/10.33650/al-tanzim.v6i1.3069
Sanawiah, Ramdhani, M. T., Ariyadi, Norcahyono, Aseri, A. F., Lawang, K. A., & Amruzi, M.F.A. (2023). Law Politics of People’s Mining Based On Maqashid Syariah’s Welfare And Social Justice Viewpoint. Russian Law Journal, 11(3s), Article 3s. https://doi.org/10.52783/rlj.v11i3s.774
Saputri, O. B. (2020). Preferensi Konsumen dalam Menggunakan Quick Response Code Indonesia Standard (QRIS) sebagai Alat Pembayaran Digital. Kinerja: Jurnal Ekonomi Dan Manajemen, 17(2), 237–247. https://doi.org/10.29264/JKIN.V17I2.7355
Schiffman, L. G., & Kanuk, L. L. (2013). Consumer Behavior (8th ed.). Prentice Hall.
Seff, S., & Hidayatullah, M. S. (2020). Urgency Of The Application Of Sharia Guarantee In Islamic Banking In Indonesia. Syariah: Jurnal Hukum dan Pemikiran, 20(2), 201-216.
Seniati, N. K., & Werastuti, D. N. S. (2024). Pengaruh Persepsi Resiko, Habit, Dan Facilitating Condition Terhadap Minat Penggunaan Quick Response Code Indonesian Standard (QRIS). Jurnal Akuntansi Profesi, 15(1), 143–155. https://doi.org/10.23887/jap.v15i01.49697
Shasanti, A., & Bagana, B. D. (2024). Preferensi Minat Penggunaan Quick Response Code Indonesian Standard (QRIS) Sebagai Alat Pembayaran Digital (Studi Kasus: Konsumen Burjo dan Warmindo di Kota Semarang). Management Studies and Entrepreneurship Journal (MSEJ), 5(2), 3259–3272. https://doi.org/10.37385/msej.v5i2.4430
Siyoto, S., & Sodik, M. A. (2015). Dasar Metodelogi Penelitian.
Solimun, Adji, A. R., & Fernandes, N. (2017). Pemodelan Persamaan Struktural (SEM): Pendekatan WarpPLS. UB Press.
Sugiyono. (2020). Metode Penelitian Kuantitatif Kualitatif dan R&D (Ke-2). Alfabeta.
Sukarni, S., & Mahmud, H. bin. (2024). Development and Concept of Environmental Fiqh in the Works of Banjar Scholars: Historical and Thought Analysis. Syariah: Jurnal Hukum dan Pemikiran, 24(1). https://doi.org/10.18592/sjhp.v24i1.12906
Sukarni, S., & Mansyuroh, F. A. (2022). Forest Waqf: An Alternative Solution for Protecting Environment in Kalimantan. Islamica: Jurnal Studi Keislaman, 17(1), 46-67. https://doi.org/10.15642/islamica.2022.17.1.46-67
Suparno, D., Tjahjawulan, I., Martodiryo, S., Anshary, A. H., Mulyono, Badrian, Indrariani, E. A., & Suwondo, T. (2023). The influence of financial literacy, digital literacy, digital marketing, brand image and word of mouth on the z generation’s interest in Islamic banks. International Journal of Data and Network Science, 7, 1975–1982. https://doi.org/10.5267/j.ijdns.2023.6.015
Suparno, D., Tjahjawulan, I., Martodiryo, S., Anshary, A., Mulyono, M., Badrian, B., Indrariani, E & Suwondo, T. (2023). The influence of financial literacy, digital literacy, digital marketing, brand image and word of mouth on the z generation's interest in Islamic banks.International Journal of Data and Network Science, 7(4), 1975-1982.
Syaugi, S., & Rahmah, A. (2021). Investment Decisions through Total Asset Growth toward Price to Book Value on the Jakarta Islamic Index. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 12(1), 63-74.
Syaugi, S., Badrian, B., & Mubarak, F. (2020). PERAN KEARIFAN LOKAL DALAM UPAYA DERADIKALISASI FAHAM RADIKAL DI KALIMANTAN SELATAN. Khazanah: Jurnal Studi Islam Dan Humaniora, 18(2), 155–172. https://doi.org/10.18592/khazanah.v18i2.4155
Wafa, F. E., Rahmah, Gafur, A., & Ansharullah. (2024). Analysis of Sharia Financial Literacy Levels of Nagara’s Muslim Community. Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah, 10(2). http://dx.doi.org/10.29300/aij.v10i2.3971
Wajdi, M., Barata, F., Syamil, A., Prasetyani, D., Tunjungsari, H., Aliyyah, I., Fatmawati, E & Aseri, A. (2023). Exploring the role of supplier integration, customer integration on operational performance by mediating the SMEs supply chain flexibility.Uncertain Supply Chain Management, 11(4), 1851-1858.
Yuliani, R., Mubarak, Z., Arifah, A., & Hayat, A. (2023). Evaluating The Feasibility of Replacing Official Vehicle Facility (ROVF) in Balangan Regency: Case Study In Cost-Benefit Analysis. International Business and Accounting Research Journal, 7(1), Article 1.
Yusuf, M. (2022). The Effect of Prophetic Leadership on Employee Work Motivation at The Islamic Higher Education. Al-Tanzim: Jurnal Manajemen Pendidikan Islam, 6(1), Article 1. https://doi.org/10.33650/al-tanzim.v6i1.3326
Yusuf, M., & Abduh, M. R. (2022). SHARIA LAW ANALYSIS OF BINARY OPTION. Syariah: Jurnal Hukum dan Pemikiran, 22(2), 141–149. https://doi.org/10.18592/sjhp.v22i2.6454
Yusuf, M., Abduh, M. R., & Sofyani, H. (2023). Islamic bank spin-off: a systematic literature review. Journal of Accounting and Investment, 24(2), 355–384. https://doi.org/10.18196/jai.v24i2.17736
Yusuf, M., Azhari, F., Amruzi, F. A., Wahidi, M. M. I., & Anafarhanah, S. (2022). Green Economy Financing According to Fiqh Al-Biah as Part of Maqashid Sharia. Pena Justisia: Media Komunikasi Dan Kajian Hukum, 21(1), Article 1. https://doi.org/10.31941/pj.v21i1.2725