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Using the Extended UTAUT model, this study investigates the factors impacting people’s intentions to have QRIS for their payment tools across different generations. Data were obtained from 400 respondents in the Jakarta area, and the correlations were analyzed using SEM-PLS). The findings show the favorable conditions are the strongest predictor of QRIS adoption across all generations, emphasizing the importance of infrastructure and support systems. Effort expectancy has a moderate to substantial beneficial influence, especially among younger generations, emphasizing the importance of ease of use. In contrast, performance expectancy and social influence had weaker effects, with social influence being most significant among Baby Boomers. The findings might be useful for the policymaker and SMEs, emphasizing the importance of enhanced infrastructure and user-friendly experiences in driving QRIS adoption. Limitations include a focus on a specific geographical area and a cross-sectional strategy, implying that future research may investigate more variables, use longitudinal methodologies, and expand the study to other regions.

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Investigating QRIS e-Payment Adoption Across Generational Cohorts: An Extended UTAUT Model

  • 会议论文

  • 发表日期：

    2026年

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  • Tiurida Lily Anita,
  • Sylvia Samuel

摘要

Using the Extended UTAUT model, this study investigates the factors impacting people’s intentions to have QRIS for their payment tools across different generations. Data were obtained from 400 respondents in the Jakarta area, and the correlations were analyzed using SEM-PLS). The findings show the favorable conditions are the strongest predictor of QRIS adoption across all generations, emphasizing the importance of infrastructure and support systems. Effort expectancy has a moderate to substantial beneficial influence, especially among younger generations, emphasizing the importance of ease of use. In contrast, performance expectancy and social influence had weaker effects, with social influence being most significant among Baby Boomers. The findings might be useful for the policymaker and SMEs, emphasizing the importance of enhanced infrastructure and user-friendly experiences in driving QRIS adoption. Limitations include a focus on a specific geographical area and a cross-sectional strategy, implying that future research may investigate more variables, use longitudinal methodologies, and expand the study to other regions.