Maulidia, Yasmin (2025) Pengaruh Integrasi QRIS pada E-Wallet GoPay terhadap Preferensi Pengguna dalam Transaksi Online berdasarkan Teori Diffusion of Innovations: Pendekatan PLS-SEM. Other thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Transformasi digital mendorong adopsi sistem pembayaran berbasis QR di Indonesia, salah satunya QRIS (Quick Response Code Indonesian Standard) yang terintegrasi dalam e-wallet seperti GoPay. Meskipun penggunaannya meningkat, masih terdapat hambatan terkait persepsi risiko, kesiapan pengguna, serta aspek emosional seperti kenyamanan dan kepuasan.
Penelitian ini menganalisis pengaruh integrasi QRIS pada e-wallet GoPay terhadap preferensi pengguna dalam transaksi online, menggunakan teori Diffusion of Innovations sebagai kerangka analisis. Variabel yang diuji mencakup Adoption Readiness, Perceived Risk, Personal Innovativeness, dan Hedonic Motivation terhadap Behavioral Intention. Survei dilakukan terhadap 281 responden berusia 18–60 tahun yang merupakan pengguna aktif atau potensial GoPay QRIS. Analisis data dilakukan menggunakan metode Partial Least Squares – Structural Equation Modeling (PLS-SEM) dengan model orde pertama dan orde kedua.
Hasil penelitian menunjukkan bahwa Adoption Readiness, Personal Innovativeness, dan Hedonic Motivation berpengaruh positif signifikan terhadap Behavioral Intention, sedangkan Perceived Risk berpengaruh negatif signifikan. Selain itu, Personal Innovativeness juga memengaruhi Adoption Readiness secara positif. Temuan ini menekankan pentingnya kesiapan pengguna, kepercayaan terhadap keamanan, dan pengalaman menyenangkan dalam mendorong adopsi QRIS.
Penelitian ini memberikan kontribusi teoretis dalam memahami perilaku adopsi pembayaran digital berbasis QR di Indonesia dan menawarkan rekomendasi praktis bagi penyedia layanan seperti GoPay untuk merancang fitur, kampanye edukatif, dan sistem yang lebih inklusif, aman, serta menyenangkan.
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Digital transformation has accelerated the adoption of QR-based payment systems in Indonesia, including the Quick Response Code Indonesian Standard (QRIS), which is integrated into e-wallets such as GoPay. Despite its growth, challenges remain regarding perceived risks, user readiness, and emotional aspects like comfort and satisfaction.
This study analyzes the influence of QRIS integration in the GoPay e-wallet on user preferences in online transactions, using the Diffusion of Innovations theory as an analytical framework. The variables tested include Adoption Readiness, Perceived Risk, Personal Innovativeness, and Hedonic Motivation toward Behavioral Intention. A survey was conducted with 281 respondents aged 18–60 who are active or potential GoPay QRIS users. Data analysis was performed using Partial Least Squares – Structural Equation Modeling (PLS-SEM), involving both first-order and higher-order constructs.
The results show that Adoption Readiness, Personal Innovativeness, and Hedonic Motivation have a positive and significant influence on Behavioral Intention, while Perceived Risk has a negative and significant effect. In addition, Personal Innovativeness positively influences Adoption Readiness. These findings underscore the importance of user preparedness, perceived security, and enjoyable user experience in encouraging QRIS adoption.
This study provides theoretical contributions to understanding the behavioral dynamics of QR-based digital payment adoption in Indonesia and offers practical recommendations for service providers like GoPay to design more inclusive, secure, and engaging systems and features.
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | QRIS, e-wallet, adopsi teknologi, Behavioral Intention, PLS-SEM, Adoption Readiness, Perceived Risk, Personal Innovativeness, Hedonic Motivation, pembayaran digital |
| Subjects: | T Technology > T Technology (General) T Technology > T Technology (General) > T58.6 Management information systems |
| Divisions: | Faculty of Intelligent Electrical and Informatics Technology (ELECTICS) > Information System > 57201-(S1) Undergraduate Thesis |
| Depositing User: | Yasmin Nurul Maulidia |
| Date Deposited: | 28 Jul 2025 04:51 |
| Last Modified: | 28 Jul 2025 04:51 |
| URI: | http://repository.its.ac.id/id/eprint/122470 |
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