Pengaruh Perceived Usefulness dan Trust terhadap Continuance Intention pada Pengguna Metode Pembayaran Non Tunai QRIS Generasi Milenial Kota Depok

Khaula Desi Rahmania

doi:10.61132/maeswara.v4i4.2870

Authors

Khaula Desi Rahmania Universitas Bina Sarana Informatika

DOI:

https://doi.org/10.61132/maeswara.v4i4.2870

Keywords:

Continuance Intention, Millennial Generation, Perceived Usefulness, QRIS, Trust

Abstract

The rapid growth of the Quick Response Code Indonesian Standard (QRIS) has significantly shifted Indonesian society's transaction behavior from cash to cashless payments. Nevertheless, the continued use of QRIS remains influenced by several factors, particularly the usefulness perceived by users and their trust in the reliability and security of the system, leaving uncertainty about the continuance of QRIS usage among the millennial generation. This study aims to analyze the effect of perceived usefulness and trust on continuance intention among millennial users of the QRIS cashless payment method in Depok City, both partially and simultaneously. A quantitative approach with an associative design was applied using a purposive sampling technique on 96 millennial respondents aged 30-45 who had used QRIS at least three times. Primary data were collected through an online Likert-scale questionnaire and analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression with IBM SPSS Statistics version 26. The results show that perceived usefulness and trust each have a positive and significant effect on continuance intention, both partially and simultaneously, with trust contributing a greater influence than perceived usefulness. These findings imply that QRIS service providers and Bank Indonesia need to prioritize strengthening user trust through transaction security assurance and transparent refund procedures, without neglecting improvements to the system's practical usefulness, in order to encourage the continued use of QRIS among the millennial generation in Depok City.

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