Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

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The Influence of Financial Literacy, Perceived Ease, Perceived Security, Perceived Benefits, and Trust on Gen Z’s Decision to Use QRIS

Authors
Aleandra Rizki Berlian1, *, Ratih Kusumawardhani1
1Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
*Corresponding author. Email: aleandrarizki@gmail.com
Corresponding Author
Aleandra Rizki Berlian
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_14How to use a DOI?
Keywords
Financial Literacy; Perceived Ease; Perceived Security; Perceived Benefits; Trust; QRIS; Generation Z
Abstract

The objective of this research is to examine how financial literacy, per-ceived usability, perceived security, perceived convenience of use, and per-ceived trust affect Generation Z’s decision to utilize the Indonesian Standard Quick Response Code (QRIS). The rise in QRIS use among Gen-Z is an indication of the transformation of financial behavior driven by the development of digital technology. This study takes a quantitative approach, surveying 100 Generation Z respondents in Yogyakarta. Multiple linear regression was used in SPSS to evaluate the data. The findings indicate that financial literacy and perceived utility have a large positive effect on the decision to use QRIS, but perceived ease of use, perceived security, and trust have a positive but small effect. These results are expected to contribute to the development of policies and strategies to improve digital financial literacy among the younger generation.

Copyright
© 2026 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.

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Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_14How to use a DOI?
Copyright
© 2026 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  - Aleandra Rizki Berlian
AU  - Ratih Kusumawardhani
PY  - 2026
DA  - 2026/04/24
TI  - The Influence of Financial Literacy, Perceived Ease, Perceived Security, Perceived Benefits, and Trust on Gen Z’s Decision to Use QRIS
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 180
EP  - 190
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_14
DO  - 10.2991/978-94-6239-656-2_14
ID  - Berlian2026
ER  -