Biblio

This study purpose was to examine the determinant factors that affect the Micro, Small, and Medium Enterprise (MSME) merchants who had the intention to use Quick Response Code Indonesian Standard (QRIS) as a payment system. QRIS was expected to be applied by merchants to diminish the virus spread and keep the circulation of money safe; but there were not many merchants using the QRIS as a payment method. The factors MSME merchant might not use the QRIS were related to perceived usefulness, perceived security, perceived ease of use, and trust. The population was MSMEs in South Tangerang City who did not use QRIS yet and the population was unknown. Using the Lemeshow formula, obtained a sample of 115 people, and the sampling technique used purposive sampling. Then data were analyzed using multi-regression analysis and processed by SPSS. The results indicated that perceived usefulness and perceived security had a significant affect on trust, whereas trust and ease of use significant affect the intention to use QRIS. Moreover, trust was able to mediate the perceived usefulness to intention to use. Since ease of use had no significant affect on trust, then the mediation given by trust to perceived ease of use had no significant affect on intention to use.