Analisis Kemudahan dan Keamanan Data dalam Meningkatkan Kepercayaan pada Transaksi Pembayaran Qris
DOI:
https://doi.org/10.65244/jggeconomic.v1i2.235Keywords:
QRIS, kemudahan penggunaan, keamanan data, kepercayaan pengguna, pembayaran digitalAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan penggunaan dan keamanan data terhadap peningkatan kepercayaan pengguna dalam melakukan transaksi pembayaran menggunakan Quick Response Code Indonesian Standard (QRIS). Metode penelitian yang digunakan adalah pendekatan kualitatif dengan analisis deskriptif berdasarkan kajian literatur dan hasil penelitian terdahulu, serta pengamatan umum terhadap fenomena penggunaan QRIS di Indonesia. Hasil penelitian menunjukkan bahwa kemudahan penggunaan menjadi faktor utama yang mendorong adopsi QRIS karena memberikan efisiensi, kecepatan, dan kenyamanan dalam bertransaksi. Sementara itu, keamanan data berperan penting dalam membentuk dan mempertahankan kepercayaan pengguna, terutama terkait perlindungan informasi pribadi dan keamanan transaksi. Kedua faktor tersebut saling berkaitan dalam menciptakan kepercayaan masyarakat terhadap sistem pembayaran digital. Dengan meningkatnya kepercayaan, penggunaan QRIS di Indonesia terus berkembang pesat, mendukung percepatan transformasi menuju ekosistem ekonomi digital yang inklusif, aman, dan terpercaya.
Downloads
References
Hanifah, Sarah Hana. “Mapping the Research Landscape of QRIS in Indonesia : A Bibliometric and Content Analysis from 2019 to 2025” 6, no. 1 (2025).
Manurung, Cristina M, Jelita Novianma Sipahutar, and Afina Charolin. “Efektivitas Program Q-Ris ( Quick Response Code Indonesian Standard ) Oleh Bank Indonesia Dalam Meningkatkan Transaksi Non-Tunai” 2, no. 3 (2024).
Prabowo, Argy Wahyu, Umi Widyastuti, and Diena Noviarini. “Model Kausalitas Intention to Continue Using E-Wallet Dana: Perceived Ease of Use, Perceived Security, Dan User Satisfaction.” PENG: Jurnal Ekonomi Dan Manajemen 3, no. 1 (2026): 463–77.
Purnama Sari, Dia, and Slamet Haryono. “Understanding the Intentions of Indonesian Millennials Using Sharia Digital Pawnshops to Save Gold: Expanding Meta-UTAUT with Perceived Risk, Security Attitude and Trust.” Journal of Science and Technology Policy Management, 2025.
Puspitasari, Ajeng Awliya, and Imam Salehudin. “Quick Response Indonesian Standard ( QRIS ): Does Government Support Contribute to Cashless Payment System Long-Term Adoption ?,” no. 1 (2022): 27–42.
PUTRI, DITA NATASYAH. “PENGARUH TECHNOLOGY ACCEPTANCE MODE (TAM) TERHADAP KEPUASAN PENGGUNA QRIS (STUDI PADA UMKM KOTA PALOPO).” Institut Agama Islam Negeri Palopo, 2024.
Safitri, Anisa, and Yuniarti Fihartini. “The Influence of Perceived Ease of Use and Security on QRIS Usage Decisions Among the Community in Lampung Province” 1, no. 4 (2024): 189–98.
Santoso, Budi. “Pengaruh Perceived Usefulness, Perceived Ease of Use, Dan Perceived Enjoyment Terhadap Penerimaan Teknologi Informasi (Studi Empiris Di Kabupaten Sragen).” UNS (Sebelas Maret University), 2010.
Sari, Arum Candra. “ Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs Arum Candra Sari Hendri Hermawan Adinugraha Abstrak Background The Covid-19 Pandemic That Occurred in 2019 Has Become the Biggest Challenge for Every Country in the World ” 5, no. 2 (2021).
Tumewu, Ferdinand J. “THE INFLUENCE OF PERCEIVED EASE OF USE , PERCEIVED RISK AND CONSUMER TRUST TOWARDS MERCHANT INTENTION IN USING QRIS AS A DIGITAL PAYMENT METHOD PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN , PERSEPSI RESIKO DAN KEPERCAYAAN Jurnal EMBA Vol . 10 No . 3 September ” 10, no. 3 (n.d.): 904–13.
Website : https://indonesia.go.id/kategori/%20editorial/8434/transaksi-qris-melonjak-226-54-revolusi-pembayaran-digital-di-indonesia?utm_source=chatgpt.com Diakses Pada 26 Okt 2025 Pukul 19.55 WIB
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Journal of Golden Generation Economic
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with Journal of Golden Generation Economic agree to the following terms:
- Authors retain copyright and grant the Journal of Golden Generation Economic right of first publication with the work simultaneously This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the published version of the work (e.g., post it to an institutional repository or edit it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
