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

Authors

  • Hanggar Diyah Rahmatul Uyun Antasari State Islamic University
  • Muhammad Qamaruddin Antasari State Islamic University

Keywords:

Digital Literacy, Perceived Usefulness, Perceived Ease, Perceived Risk, Users, QRIS, BSI Mobile, Sharia Bank

Abstract

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

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

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

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

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

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.

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

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.

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.

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

Downloads

Published

2024-09-20