Extending the technology acceptance model to understand continuance intention to use QRIS in Denpasar
DOI:
https://doi.org/10.54099/ijebm.v5i2.1938Keywords:
Perceived Ease to Use, Compatibility, Perceived Usefulness, Attitude, Continuance IntentionAbstract
The growing use of QRIS as a digital payment method requires a better understanding of the factors that sustain its use after consumers have gained transaction experience. This study examines the effects of perceived ease of use and compatibility on QRIS continuance intention through perceived usefulness and attitude. A quantitative cross-sectional design was employed. Data were collected through questionnaires from 200 QRIS consumers in Denpasar City selected using purposive sampling and analyzed using Partial Least Squares–Structural Equation Modeling. The results show that perceived ease of use and compatibility positively affect perceived usefulness but have no significant direct effects on attitude. Perceived usefulness positively influences both attitude and continuance intention, while attitude is the strongest direct predictor of QRIS continuance intention. Perceived usefulness mediates the effect of perceived ease of use on continuance intention but does not mediate the effect of compatibility. Attitude mediates only the relationship between perceived usefulness and continuance intention, whereas its mediating roles in the effects of perceived ease of use and compatibility are insignificant. The novel finding reveals that perceived usefulness and attitude sequentially mediate the effects of both perceived ease of use and compatibility on continuance intention. Therefore, QRIS continuance is formed through a sequential cognitive and evaluative process. Service providers should ensure that ease of use and compatibility generate tangible benefits capable of developing positive consumer attitudes
References
Adinda, M. (2022). Csefb 01.01.2022. 1(1), 167–176.
Aditya, I. G. N. A. K. (2022). Diffusion of Indonesian Standard Quick Response Code Payment Method Innovation by Bank BPD Bali Difusi Inovasi Metode Pembayaran Quick Response Code Indonesian Standard oleh Bank BPD Bali. 2(7), 3323–3336.
Aditya, M. K., Arafah, W., Rahmanita, M., & Mariati, S. (2023). The Effect of Destination Image and Visitor Experience towards Behavioural Intentions at Rice Field Agritourism (Issue Tgdic). Atlantis Press International BV. https://doi.org/10.2991/978-94-6463-296-5_25
Agustin, A., Marvella, D., & Deviarti, H. (2023). The impact of e-wallet towards consumer behavior in Indonesia moderated by consumers aged 15-30. 01048.
Al-kfairy, M. (2024). Factors Impacting the Adoption and Acceptance of ChatGPT in Educational Settings : A Narrative Review of Empirical Studies.
Ali, B. J., & Anwar, G. (2021). Factors Influencing the Citizens ’ Acceptance of Electronic Government. 1, 48–60.
Amri, A., Malik, R. F., & Fachrandi, M. K. (2025). Determinants Influencing QRIS Adoption as a Digital Payment Tool in Ciledug , Tangerang City. 06(01), 154–170.
Apriadi, F., & Chaidir, T. (2024). Generation Z ’ s Decision to Use QRIS in Mataram City : UTAUT Model. 07(05), 2426–2435. https://doi.org/10.47191/jefms/v7-i5-18
Argan, M., & Dinç, H. (2025). Investigating the factors influencing adoption intentions of chatgpt for sport events *. 23(November 2024), 77–97. https://doi.org/10.33689/spormetre.1606845
Auliya, P. N., & Aransyah, M. F. (2023). Penerapan Model UTAUT untuk Mengetahui Minat Perilaku Konsumen dalam Penggunaan QRIS. 4(3), 885–892. https://doi.org/10.47065/ekuitas.v4i3.2808
Bakhitah, A., Indra, R., Halim, W., Ferbian, V., & Hidayat, Z. (2023). QRIS as a Drivers of Product Distribution Flows in Indonesia : Factors of Consumer Purchasing Behavior in the Use of Fintech Payments. 12, 59–69.
Davis, F. D. (2014). Information Technology Introduction. 13(3), 319–340.
Ekaputra, P. S., Ciptosari, F., & Halim, T. (2024). Adopsi Teknologi Pembayaran Digital QRIS di Kalangan UMKM Labuan Bajo : Tantangan dan Peluang. 3(2), 1–13.
Firdaus, M., Farohi, A., Saragih, A. N., & Harahap, M. M. (2023). OPTIMIZING DIGITAL TRANSACTIONS : ANALYZING USER ’ S ADOPTION INTENTION OF QUICK RESPONSE CODE INDONESIAN STANDARD ( QRIS ) IN NORTH SUMATERA. 1–34.
Haq, M. Z. U., Cao, G., & Abukhait, R. M. Y. (2025). Examining students ’ attitudes and intentions towards using ChatGPT in higher education. March, 1–25. https://doi.org/10.1111/bjet.13582
Herlina, Suhardi, Astuti, N., & Hamdan. (2025). QRIS ADOPTION DETERMINANTS : ANALYSIS OF THE ROLE OF EASE OF USE , TRUST , AND PROMOTION WITH USER. 4(4), 289–306.
Kumar, M. S., Adalarasu, B., Krishnan, S. G., Usefulness, P., & Ease, P. (2025). Perceived Usefulness ( PU ), Perceived Ease of Use ( PEOU ), and Behavioural Intension to Use ( BIU ): Mediating effect of Attitude toward Use ( AU ) with Rural India HAL Id : hal-04850363 Perceived Usefulness ( PU ), Perceived Ease of Use ( PEOU ), and Behavioural Intension to Use ( BIU ): Mediating effect of Attitude toward Use ( AU ) with reference to Mobile wallet Acceptance and Adoption in Rural India.
Kumoro, C. J., Ryandini, E. Y., & Samin, N. (2024). Faktor-Faktor Yang Mempengaruhi Adopsi Pembayaran QR Code ( QRIS ) di Toko Fisik. 3(2), 97–112.
Liem, F., & Jokhu, J. R. (2022). Jurnal Ekonomi dan Bisnis , Vol . 11 No . 3 November 2022 E - ISSN THE ANALYSIS OF DIGITAL PAYMENT USAGE INTENTION FROM TPB AND TAM. 11(3), 923–931.
Masrek, M. N., Baharuddin, M. F., & Syam, A. M. (2025). Determinants of Behavioral Intention to Use Generative AI : The Role of Trust , Personal Innovativeness , and UTAUT II Factors. 14, 378–390.
Nathania, L., Indarini, & Anandya, D. (2021). The Effects of External Factors on Perceived Ease of Use , Perceived Usefulness , Attitude Towards Use , and Behav- ioral Intention of Older Adults in Indonesia. 180(Insyma).
Nurendra, M. Z., Wijaya, L. I., Ardiansyahmiraja, B., & Kajee, J. (2025). FACTORS INFLUENCING QRIS ADOPTION IN WARKOPS. 11(1).
Nurqamarani, A. S., Fadilla, S., & Juliana, A. (2023). Adoption of QRIS as a Digital Payment Mode in the Culinary Subsector : A Conceptual Framework Study (Issue Osc). Atlantis Press International BV. https://doi.org/10.2991/978-94-6463-290-3
Nurrohman, S., & Setyawan, S. (2023). DIFFUSION OF INNOVATION CHANGING CASH PAYMENTS INTO DIGITAL. 1–38.
Paramita, E. D., & Cahyadi, E. R. (2024). THE DETERMINANTS OF BEHAVIORAL INTENTION AND USE BEHAVIOR OF QRIS AS DIGITAL PAYMENT METHOD USING EXTENDED UTAUT MODEL. 10(1), 132–145.
Prihanto, Y. J. N., Wenehenubun, S. P., Nayaka, R., & Mahardika, W. (2021). Students ’ Adoption of E -Learning Program during Covid 19 : Impact o n Students ’ Engagement and Effective Teaching Method. 18–38.
Primananda, P. G. B. N., & Kusuma, A. . M. I. W. (2025). The influence of tourism experience on revisit intention with emotional attachment as a mediator (a case study at kuta beach). 967–975.
Primananda, P. G. B. N., Kusuma, A. M. I. W., & Brahmanta, I. B. A. (2026). Pengaruh persepsi kemudahan dan persepsi kegunaan terhadap niat menggunakan ovo dengan sikap sebagai variabel mediasi di denpasar 1. 15, 2152–2160. https://doi.org/10.34127/jrlab.v15i1.2172
Putra, I., Fronita, M., Studi, P., Informasi, S., Islam, U., Sultan, N., Riau, S. K., Baru, S., Pekanbaru, K., & Control, P. B. (2025). Analisis Penerimaan Pengguna Chatgpt pada Gen Z dengan Menggunakan Metode UTAUT dan TPB Analysis of ChatGPT User Acceptance Among Gen Z using UTAUT and TPB Methods. 14, 1851–1864.
Putri, A. A., Jayanagara, O., & Julianingsih, D. (2024). Antecedents of perceived usefulness on the use of electronic hospital management information systems. 25(1). https://doi.org/10.18196/jai.v25i1.19120
Qadhi, S. M., Habibi, A., & Chaaban, Y. (2025). Examining factors influencing university students ’ perceptions of AI technologies in academic writing. Cogent Education, 12(1). https://doi.org/10.1080/2331186X.2025.2587487
Rahman, F. A., & Putri, M. T. (2025). The Use of The Gapuro System as a Radio Frequency Identification ( RFID ) Tool with the Technology Acceptance Model ( TAM ) Method on Employee Productivity at PT . Epson Batam. 13(1), 107–115.
Ramayanti, R., Azhar, Z., Hadian, N., & Azman, N. (2025). Telematics and Informatics Reports Factors influencing intentions to use QRIS : A two-staged PLS-SEM and ANN approach. 17(December 2024).
Ruchyat, N. S., Dilla, S., & Jumrana. (2024). PENGARUH PENGGUNAAN QUICK RESPONSE CODE INDONESIA STANDAR ( QRIS ) TERHADAP ADOPSI PEMBAYARAN NON-TUNAI The Influence of Indonesian Standard Quick Response Code ( QRIS ) Usage on Cashless Payments in MSMEs. 2(1), 119–127.
Saidah, M., Trianutami, H., Amani, F. S., Islam, P., Syarif, U. I. N., & Jakarta, H. (2022). Difusi Inovasi Program Digital Payment di Desa Kanekes Baduy. 10(2), 138–153.
Samberi, I., Inan, D. I., Wurarah, R. N., Juita, R., Sanglise, M., Informatika, T., & Papua, U. (2024). Analysis of the Adoption Level of Qris in West Papua : The Roles of Self-Efficacy , Personal Innovativeness , and Privacy Concern. 16.
Shaikh, I. M., & Amin, H. (2025). In fl uence of innovation diffusion factors on non-users ’ adoption of digital banking services in the banking 4 . 0 era. 1, 12–21. https://doi.org/10.1108/IDD-05-2023-0044
Shaikh, I. M., Amin, H., Noordin, K., & Shaikh, M. (2023). ISLAMIC BANK CUSTOMERS ’ ADOPTION OF DIGITAL BANKING SERVICES : EXTENDING DIFFUSION THEORY OF. 9(1), 57–70.
Yasa, N. N. K., Rahmayanti, P. L. D., Witarsana, I. G. A. G., Andika, A. W., Muna, N., Sugianingrat, I. A. P. W., & Martaleni. (2021). Continuous usage intention of social media as an online information distribution channels. 5, 49–60.
Zahro, D. A., & Nugraha, J. (2021). ANALYSIS OF THE USE OF MENDELEY USING THE TECHNOLOGY ACCEPTANCE MODEL ( TAM ) APPROACH : STUDY IN STUDENTS OF OFFICE ADMINISTRATION EDUCATION IN SURABAYA STATE. 12.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Pande Gde Bagus Naya Primananda, Ni Putu Ina Thrisnawati Weca, Ketut Winda Pratiwi, Anak Agung Dharma Adi Pratidnya, Ni Made Devi Ratnasari
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
