The Effect of QRIS Security and Ease on Transaction Decisions through User Trust among Jakarta State University Students

Abstract

This study aims to analyze the effect of security and ease of use of the Quick Response Code Indonesian Standard (QRIS) on transaction decisions among students at Universitas Negeri Jakarta, with user trust as a mediating variable. The research is motivated by the increasing use of QRIS among students who are digital users, but there are still concerns about perceptions of security, convenience, and trust in this digital payment system. Using the Technology Acceptance Model (TAM) framework, this study examines how perceived security and ease of use affect transaction decisions through user trust. The results show that security and ease of use significantly affect user trust, and can strengthen students decision to use QRIS in payments. This study contributes to the development of more effective education and promotion strategies, as well as the enhancement of QRIS security and usability features to encourage optimal use of digital payment systems in academic environments.