Analysis of the Effect of Performance Expectancy, Effort Expectancy, and Lifestyle Compatibility on Behavioral Intention QRIS in Indonesia

Novita Butarbutar; Darwin Lie; Christina Bagenda; Eka Hendrayani; Acai Sudirman

doi:10.18535/ijsrm/v10i11.em07

Abstract

The important objective of this study is to analyze the effect of performance expectancy, effort expectancy, and lifestyle compatibility on behavioral intention toward QRIS in Indonesia. The data collected in this study are quantitative data using a quantitative approach. The population in this study is MSME actors in Indonesia, and the sample obtained using the convenience sampling method was as many as 140. Data analysis used instrument tests, normality tests, regression tests, hypothesis tests, correlation tests, and the coefficient of determination. The results showed that performance expectancy and lifestyle compatibility positively and significantly affected behavioral intention. At the same time, the other results show that effort expectancy has a positive but insignificant effect on behavioral intention. The study's conclusion confirms that to increase the enthusiasm of MSME actors to use QRIS as an alternative to non-cash payments, the government and relevant stakeholders need to conduct in-depth socialization regarding the benefits and advantages of using QRIS for MSME actors. Furthermore, QRIS users must be careful of QR code counterfeiting by irresponsible parties and sabotage of QR Code user accounts which lead to cyber crime

Keywords

Performance ExpectancyEffort ExpectancyLifestyle CompatibilityBehavioral Intention

References

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Ayesha, I., Redjeki, F., Sudirman, A., Leonardo, A., & Aslam, D. F. (2021). Behavior of Female Entrepreneurs in Tempe Small Micro Enterprises in Tasikmalaya Regency , West Java as Proof of Gender Equality Against AEC. Proceedings of the 2nd Annual Conference on Blended Learning, Educational Technology and Innovation (ACBLETI 2020), 560(Acbleti 2020), 124–130.Google Scholar ↗
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Hair, J. F. (2014). Multivariat Data Analysis 7th Edition. Pearson Prentice Hall.Google Scholar ↗
Halim, F., Efendi, Butarbutar, M., Malau, A. R., & Sudirman, A. (2020). Constituents Driving Interest in Using E-Wallets in Generation Z. Proceeding on International Conference of Science Management Art Research Technology, 1(1), 101–116. https://doi.org/10.31098/ic-smart.v1i1.32DOI ↗Google Scholar ↗
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Lie, D., Inrawan, A., Sisca, S., Silitonga, H. P., & Sudirman, A. (2023). Adoption of Social Media Marketing: Contribution of Knowledge Management and Market Orientation to Competitive Advantages. Acceleration of Digital Innovation and Technology Towards Society 5.0, 185–192.Google Scholar ↗
Marpaung, F. K., Dewi, R. S., Grace, E., Sugiat, M., & Sudirman, A. (2021). Behavioral Stimulus for Using Bank Mestika Mobile Banking Services : UTAUT2 Model Perspective. Golden Ratio of Marketing and Applied Psychology of Business, 1(1), 61–72.Google Scholar ↗
Moslehpour, M., Pham, V. K., Wong, W. K., & Bilgiçli, I. (2018). e-purchase intention of Taiwanese consumers: Sustainable mediation of perceived usefulness and perceived ease of use. Sustainability (Switzerland), 10(1). https://doi.org/10.3390/su10010234DOI ↗Google Scholar ↗
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Oktania, D. E., & Indarwati, T. A. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Compatibility with Lifestyle Terhadap Niat Beli Di Social Commerce. Jurnal Ilmu Manajemen, 10(1), 255–267.Google Scholar ↗
Putri, D. A., Indrawati, & Harsono, L. D. (2019). The Use of Modified Unified Theory of Acceptance and Use of Technology 2 Model to Analyze Factors Influencing Behavioural Intentions (A Student on Bukalapak Mobile App Indonesia. International Journal of Business and Management Invention (IJBMI), 8(4), 80–84. https://doi.org/10.21275/ART20178283DOI ↗Google Scholar ↗
Rembulan, N. D. R., & Firmansyah, E. A. (2020). Perilaku Konsumen Muslim Generasi-Z Dalam Pengadopsian Dompet Digital. Valid Jurnal Ilmiah, 17(2), 111–128.Google Scholar ↗
Rumondang, A., Sudirman, A., Effendy, F., Simarmata, J., & Agustin, T. (2019). Fintech : inovasi sistem keuangan di era digital. Yayasan Kita Menulis.Google Scholar ↗
Sherly, Halim, F., & Sudirman, A. (2020). The Role Of Social Media In Increasing Market Share Of Msme Products In Pematangsiantar City. Jurnal Manajemen Dan Bisnis, 9(2), 61–72.Google Scholar ↗
Sinaga, O. S., Krisna Marpaung, F., Dewi, R. S., & Sudirman, A. (2021). Kontribusi Perceived Usefulness, Perceived Ease of Use dan Perceived Security Terhadap Behavioral Intention to use Aplikasi JAKET. Insight Management Journal, 1(3), 86–94. https://journals.insightpub.org/index.php/imjGoogle Scholar ↗
Solomon, M. R. (2011). Consumer Behaviour: Buying, Having and Being. Pearson Prentice Hall.Google Scholar ↗
Stocchi, L., Michaelidou, N., & Micevski, M. (2019). Drivers and outcomes of branded mobile app usage intention. Journal of Product and Brand Management, 28(1), 28–49. https://doi.org/10.1108/JPBM-02-2017-1436DOI ↗Google Scholar ↗
Sudirman, A., Halim, F., Sinaga, O. S., & Marpaung, F. K. (2021). Reflection on Customer Satisfaction Using the Jaket Application in Terms of Aspects of E-Service Quality , Price , and Brand Awareness. Target : Jurnal Manajemen Dan Bisnis, 3(1), 37–48.Google Scholar ↗
Sudirman, A., Wijaya, A., Sherly, S., Halim, F., & Nainggolan, A. B. (2021). Purchase Intention Produk Smartphone ditinjau dari Aspek Brand Management. Journal of Management and Business Review, 18(2), 413–430. https://doi.org/10.34149/jmbr.v18i2.292DOI ↗Google Scholar ↗
Welly, Y., Supitriyani, S., Yusnaini, Y., & Sudirman, A. (2020). Factors of Using Non-Cash Payments to the Consumption Level of Students in Pematangsiantar City. Jurnal Bisnis Dan Manajemen, 7(1), 61–68. https://doi.org/10.26905/jbm.v7i1.4041DOI ↗Google Scholar ↗
Wonglimpiyarat, J. W. (2017). FinTech banking industry: a systemic approach. Foresight, 19(6), 590–603.Google Scholar ↗

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[refR-2] Angelina, C., & Aswin Rahadi, R. (2020). A Conceptual Study on The Factors Influencing Usage Intention of E-wallets in Java. International Journal of Accounting, Finance and Business (IJAFB), 5(27), 19–29.Google Scholar ↗

[refR-3] Ayesha, I., Redjeki, F., Sudirman, A., Leonardo, A., & Aslam, D. F. (2021). Behavior of Female Entrepreneurs in Tempe Small Micro Enterprises in Tasikmalaya Regency , West Java as Proof of Gender Equality Against AEC. Proceedings of the 2nd Annual Conference on Blended Learning, Educational Technology and Innovation (ACBLETI 2020), 560(Acbleti 2020), 124–130.Google Scholar ↗

[refR-4] Bagla, R. K., & Sancheti, V. (2018). Gaps in customer satisfaction with digital wallets: challenge for sustainability. Journal of Management Development, 37(6), 442–451. https://doi.org/10.1108/JMD-04-2017-0144DOI ↗Google Scholar ↗

[refR-5] Basoeky, U., Panggabean, S., Manu, G. A., Wardhana, A., Hoeronis, I., Adnan, Y., Maisarah, & Sudirman, A. (2021). Pemanfaatan Teknologi Digital: Dalam Berbagai Aspek Kehidupan Masyarakat. Media Sains Indonesia.Google Scholar ↗

[refR-6] Chang, S. E., Shen, W. C., & Yeh, C. H. (2017). A Comparative Study Of User Intention To Recommend Content On Mobile Social Networks. Multimedia Tools and Applications, 76(4), 5399–5417. https://doi.org/10.1007/s11042-016-3966-1DOI ↗Google Scholar ↗

[refR-7] Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256DOI ↗Google Scholar ↗

[refR-8] Chen, C. S. (2013). Perceived Risk, Usage Frequency Of Mobile Banking Services. Managing Service Quality, 23(5), 410–436. https://doi.org/10.1108/MSQ-10-2012-0137DOI ↗Google Scholar ↗

[refR-9] Fitria, L., & Winata, A. (2020). The Effect of Electronic Coupon Value to Perceived Usefulness and Perceived Ease-of-Use and its Implication to Behavioral Intention to Use Server-Based Electronic Money. International Journal of Innovative Science and Research Technology, 5(1), 147–158.Google Scholar ↗

[refR-10] Hair, J. F. (2014). Multivariat Data Analysis 7th Edition. Pearson Prentice Hall.Google Scholar ↗

[refR-11] Halim, F., Efendi, Butarbutar, M., Malau, A. R., & Sudirman, A. (2020). Constituents Driving Interest in Using E-Wallets in Generation Z. Proceeding on International Conference of Science Management Art Research Technology, 1(1), 101–116. https://doi.org/10.31098/ic-smart.v1i1.32DOI ↗Google Scholar ↗

[refR-12] Halim, F., Grace, E., Lie, D., & Sudirman, A. (2021). Analysis of Innovation Strategies to Increase the Competitive Advantages of Ulos Products in Pematangsiantar City. Jurnal Manajemen Dan Bisnis, 10(2), 80–90.Google Scholar ↗

[refR-13] Halim, F., Sibarani, H. J., Moktar, B., Sugiat, M., & Sudirman, A. (2021). Reflections on The Interest in Buying Smartphone Products Among Millennials: Consumer Satisfaction As The Mediating Effect. JurnalMinds: Manajemen Ide Dan Inspirasi, 8(1), 49–68. https://doi.org/10.24252/minds.v8i1.20402DOI ↗Google Scholar ↗

[refR-14] Huei, C. T., Cheng, L. S., Seong, L. C., Khin, A. A., & Leh Bin, R. L. (2018). Preliminary study on consumer attitude towards fintech products and services in malaysia. International Journal of Engineering and Technology(UAE), 7(2), 166–169. https://doi.org/10.14419/ijet.v7i2.29.13310DOI ↗Google Scholar ↗

[refR-15] Indonesia, B. (2019). Quick Response Code Indonesian Standard (QRIS). https://www.bi.go.id/QRIS/Contents/Default.aspxGoogle Scholar ↗

[refR-16] Lancelot Miltgen, C., Popovič, A., & Oliveira, T. (2013). Determinants of end-user acceptance of biometrics: Integrating the “big 3” of technology acceptance with privacy context. Decision Support Systems, 56(1), 103–114. https://doi.org/10.1016/j.dss.2013.05.010DOI ↗Google Scholar ↗

[refR-17] Lavenia, B. C., Iqbal, M., & Irawan, A. (2018). Pengaruh Technology Acceptance Model (Tam) Dan Electronic Word Of Mouth (Ewom) Terhadap Kepuasan Pelanggan (Survei Pada Pelanggan Go-Jek Di Kota Kediri). Jurnal Administrasi Bisnis, 60(3), 52–61.Google Scholar ↗

[refR-18] Lie, D., Halim, F., Inrawan, A., Nainggolan, L. E., & Sudirman, A. (2023). Factors Affecting Satisfaction and Its Implications for Marketplace Use Behavior in Indonesia. Acceleration of Digital Innovation and Technology Towards Society 5.0, 9–16.Google Scholar ↗

[refR-19] Lie, D., Inrawan, A., Sisca, S., Silitonga, H. P., & Sudirman, A. (2023). Adoption of Social Media Marketing: Contribution of Knowledge Management and Market Orientation to Competitive Advantages. Acceleration of Digital Innovation and Technology Towards Society 5.0, 185–192.Google Scholar ↗

[refR-20] Marpaung, F. K., Dewi, R. S., Grace, E., Sugiat, M., & Sudirman, A. (2021). Behavioral Stimulus for Using Bank Mestika Mobile Banking Services : UTAUT2 Model Perspective. Golden Ratio of Marketing and Applied Psychology of Business, 1(1), 61–72.Google Scholar ↗

[refR-21] Moslehpour, M., Pham, V. K., Wong, W. K., & Bilgiçli, I. (2018). e-purchase intention of Taiwanese consumers: Sustainable mediation of perceived usefulness and perceived ease of use. Sustainability (Switzerland), 10(1). https://doi.org/10.3390/su10010234DOI ↗Google Scholar ↗

[refR-22] Murdiyanto, E., Sugih, I. P., Dhakirah, S., Brahma Wahyu Kurniawan, R. H., Muttaqien, Z., Edy Suranta KarinaSembiring, N. A. M., Sudirman, A., Abidin, N., Evasari, A. D., & Ariyanti, M. (2022). Teori Marketing" Sebuah Tinjauan Teori dan Prakttis. Widina Bhakti Persada.Google Scholar ↗

[refR-23] Murdiyanto, E., Sugih, I. P., Dhakirah, S., Kurniawan, B. W., Hidayat, R., Aulia, N., Sudirman, A., Nadiah, N., Evasari, A. D., & Arianti, M. (2022). Teori Marketing (Sebuah Tinjauan Teori dan Praktis). Widina Bhakti Persada.Google Scholar ↗

[refR-24] Nana Triapnita Nainggolan, Munandar, A. S., Lora Ekana Nainggolan, Fuadi, P. H., Dewa Putu Yudhi Ardiana, Acai Sudirman, D. G., Nina Mistriani, A. H. P. K., & Astri Rumondang, D. G. (2020). Perilaku Konsumen Di Era Digital. Yayasan Kita Menulis.Google Scholar ↗

[refR-25] Oktania, D. E., & Indarwati, T. A. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Compatibility with Lifestyle Terhadap Niat Beli Di Social Commerce. Jurnal Ilmu Manajemen, 10(1), 255–267.Google Scholar ↗

[refR-26] Putri, D. A., Indrawati, & Harsono, L. D. (2019). The Use of Modified Unified Theory of Acceptance and Use of Technology 2 Model to Analyze Factors Influencing Behavioural Intentions (A Student on Bukalapak Mobile App Indonesia. International Journal of Business and Management Invention (IJBMI), 8(4), 80–84. https://doi.org/10.21275/ART20178283DOI ↗Google Scholar ↗

[refR-27] Rembulan, N. D. R., & Firmansyah, E. A. (2020). Perilaku Konsumen Muslim Generasi-Z Dalam Pengadopsian Dompet Digital. Valid Jurnal Ilmiah, 17(2), 111–128.Google Scholar ↗

[refR-28] Rumondang, A., Sudirman, A., Effendy, F., Simarmata, J., & Agustin, T. (2019). Fintech : inovasi sistem keuangan di era digital. Yayasan Kita Menulis.Google Scholar ↗

[refR-29] Sherly, Halim, F., & Sudirman, A. (2020). The Role Of Social Media In Increasing Market Share Of Msme Products In Pematangsiantar City. Jurnal Manajemen Dan Bisnis, 9(2), 61–72.Google Scholar ↗

[refR-30] Sinaga, O. S., Krisna Marpaung, F., Dewi, R. S., & Sudirman, A. (2021). Kontribusi Perceived Usefulness, Perceived Ease of Use dan Perceived Security Terhadap Behavioral Intention to use Aplikasi JAKET. Insight Management Journal, 1(3), 86–94. https://journals.insightpub.org/index.php/imjGoogle Scholar ↗

[refR-31] Solomon, M. R. (2011). Consumer Behaviour: Buying, Having and Being. Pearson Prentice Hall.Google Scholar ↗

[refR-32] Stocchi, L., Michaelidou, N., & Micevski, M. (2019). Drivers and outcomes of branded mobile app usage intention. Journal of Product and Brand Management, 28(1), 28–49. https://doi.org/10.1108/JPBM-02-2017-1436DOI ↗Google Scholar ↗

[refR-33] Sudirman, A., Halim, F., Sinaga, O. S., & Marpaung, F. K. (2021). Reflection on Customer Satisfaction Using the Jaket Application in Terms of Aspects of E-Service Quality , Price , and Brand Awareness. Target : Jurnal Manajemen Dan Bisnis, 3(1), 37–48.Google Scholar ↗

[refR-34] Sudirman, A., Wijaya, A., Sherly, S., Halim, F., & Nainggolan, A. B. (2021). Purchase Intention Produk Smartphone ditinjau dari Aspek Brand Management. Journal of Management and Business Review, 18(2), 413–430. https://doi.org/10.34149/jmbr.v18i2.292DOI ↗Google Scholar ↗

[refR-35] Welly, Y., Supitriyani, S., Yusnaini, Y., & Sudirman, A. (2020). Factors of Using Non-Cash Payments to the Consumption Level of Students in Pematangsiantar City. Jurnal Bisnis Dan Manajemen, 7(1), 61–68. https://doi.org/10.26905/jbm.v7i1.4041DOI ↗Google Scholar ↗

[refR-36] Wonglimpiyarat, J. W. (2017). FinTech banking industry: a systemic approach. Foresight, 19(6), 590–603.Google Scholar ↗