Proceedings of the 13th International Conference on Business, Accounting, Finance and Economics (BAFE 2025)

<Previous Article In Volume
Next Article In Volume>

Exploring Digital Payment Adoption through the Technology Acceptance Model: The Mediating Role of Attitude Toward Use in QRIS Implementation

Authors
Aufa Habibie1, *, Hastin Umi Anisah1
1Faculty of Economics and Business, Lambung Mangkurat University, Banjarmasin, Indonesia
*Corresponding author. Email: aufanovariansyah@gmail.com
Corresponding Author
Aufa Habibie
Available Online 28 December 2025.
DOI
10.2991/978-94-6463-968-1_28How to use a DOI?
Keywords
Digital Payment Adoption; TAM; QRIS
Abstract

In the digital era, the adoption of cashless payment systems has accelerated, with QRIS (Quick Response Code Indonesian Standard) emerging as a key innovation in Indonesia’s financial ecosystem. This study investigates the effect of Perceived Usefulness and Perceived Ease of Use on QRIS transaction adoption among millennial users, with Attitude Toward Use serving as a mediating variable. A quantitative approach was employed using purposive sampling, yielding 200 valid responses from millennial QRIS users in Banjarbaru City. Data was analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique with SmartPLS 4.0. The findings reveal that both perceived usefulness and perceived ease of use significantly influence QRIS adoption directly and indirectly through attitude. Moreover, attitude toward use plays a crucial mediating role, strengthening the relationship between these perceptions and adoption behavior. These results affirm the applicability of the Technology Acceptance Model (TAM) in the context of digital payment adoption in emerging markets. This study contributes to the growing literature on digital financial services by providing empirical evidence from Indonesia, while also offering practical insights for policymakers and service providers seeking to enhance QRIS adoption among millennials.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

<Previous Article In Volume
Next Article In Volume>
Volume Title
Proceedings of the 13th International Conference on Business, Accounting, Finance and Economics (BAFE 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
28 December 2025
ISBN
978-94-6463-968-1
ISSN
2352-5428
DOI
10.2991/978-94-6463-968-1_28How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Aufa Habibie
AU  - Hastin Umi Anisah
PY  - 2025
DA  - 2025/12/28
TI  - Exploring Digital Payment Adoption through the Technology Acceptance Model: The Mediating Role of Attitude Toward Use in QRIS Implementation
BT  - Proceedings of the 13th International Conference on Business, Accounting, Finance and Economics (BAFE 2025)
PB  - Atlantis Press
SP  - 410
EP  - 423
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-968-1_28
DO  - 10.2991/978-94-6463-968-1_28
ID  - Habibie2025
ER  -