Analisis Faktor-Faktor Niat Adopsi QRIS pada UKM di Surabaya Menggunakan Model Extended UTAUT

Aristio, Rizandi (2026) Analisis Faktor-Faktor Niat Adopsi QRIS pada UKM di Surabaya Menggunakan Model Extended UTAUT. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Kemajuan pembayaran digital memacu transaksi non-tunai di UMKM melalui QRIS sebagai standar QR tunggal yang efisien di Surabaya. Walaupun adopsinya bervariasi disebabkan persepsi manfaat kemudahan dukungan risiko dan kepercayaan, perilaku ini menuntut analisis lebih mendalam. Penelitian ini bertujuan untuk menganalisis faktor determinan yang dapat memengaruhi niat adopsi atau menggunakan QRIS pada pelaku Usaha Mikro dan Kecil di Kota Surabaya dengan menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT) yang dimodifikasi dengan penambahan variabel Perceived Risk dan Perceived Trust. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui penyebaran kuesioner kepada pelaku usaha mikro dan kecil yang menggunakan atau memiliki akses terhadap QRIS sebagai metode pembayaran. Variabel pada penelitian ini meliputi Performance Expectancy, Effort Expectancy, social influence, Facilitating conditions, Perceived Risk, Perceived Trust dan behavioral intention. Teknik analisis data menggunakan metode Structural Equation Modeling berbasis Partial Least Square (SEM-PLS) untuk menguji korelasi antar masing masing variabel dalam penelitian ini. Hasil penelitian ini diharapkan dapat memberikan manfaat yang lebih komprehensif dan menambah kajian akademik mengenai faktor-faktor yang memengaruhi niat adopsi QRIS serta menjadi masukan dalam mendorong transformasi keuangan digital pada pelaku usaha mikro dan kecil di Kota Surabaya. Penelitian ini menemukan bahwa konstruk penelitian ini mampu menjelaskan 75,1% niat adopsi QRIS pada usaha kecil dan mikro. Dengan Performance Expectancy, Social Influences dan Facilitating Conditions menjadi faktor yang berpengaruh positif dan signifikan terhadap niat adopsi QRIS. Perceived Risk juga sebagai variabel yang paling secara signifikan menghambat niat adopsi QRIS. Sedangkan Effort Expectancy dan Perceived Trust tidak menjadi faktor yang dipertimbangkan ketika UKM di Surabaya berniat adopsi QRIS.
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Advancements in digital payments are driving cashless transactions among MSMEs in Surabaya through QRIS, which serves as an efficient, unified QR standard. Given that adoption rates vary based on perceptions regarding benefits, ease of use, support, risk, and trust, this behavior warrants deeper analysis. This study aims to analyze the determinants influencing the intention to adopt or use QRIS among micro and small business owners in Surabaya, utilizing the Unified Theory of Acceptance and Use of Technology (UTAUT) model modified to include the variables of Perceived Risk and Perceived Trust. A quantitative approach was employed, with data collected via questionnaires distributed to micro and small business owners who use or have access to QRIS as a payment method. The variables examined include Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Perceived Risk, Perceived Trust, and Behavioral Intention. Structural Equation Modeling based on Partial Least Squares (SEM-PLS) was used to analyze the data and test the correlations between the variables. The findings are expected to provide comprehensive insights and contribute to the academic literature on the factors influencing QRIS adoption intentions, while also offering input to foster digital financial transformation among micro and small businesses in Surabaya. The study reveals that the research constructs explain 75.1% of the variance in QRIS adoption intention among micro and small businesses. Performance Expectancy, Social Influence, and Facilitating Conditions were found to have a positive and significant impact on the intention to adopt QRIS. Perceived Risk emerged as the most significant factor inhibiting adoption intention. Conversely, Effort Expectancy and Perceived Trust were not significant factors considered by Surabaya's micro and small businesses when intending to adopt QRIS.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	QRIS, UTAUT, micro and small enterprises, SEM-PLS, Surabaya City, Usaha Kecil dan Mikro, Kota Surabaya
Subjects:	T Technology > T Technology (General) T Technology > TX Home economics
Divisions:	Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis
Depositing User:	Rizandi Aristio
Date Deposited:	15 Jul 2026 08:47
Last Modified:	15 Jul 2026 08:47
URI:	http://repository.its.ac.id/id/eprint/135011

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