Faktor Kunci Adopsi QRIS pada UMKM di Jawa Tengah: Pendekatan UTAUT 3 untuk Transformasi Digital
DOI:
https://doi.org/10.47709/jebma.v6i3.9661Keywords:
Transformasi Digital, UMKM, UTAUT 3, QRISAbstract
Transformasi digital pada UMKM di Indonesia salah satunya diwujudkan melalui adopsi QRIS sebagai standar pembayaran berbasis kode QR. Meskipun banyak UMKM telah memiliki fasilitas QRIS, penggunaannya belum menjadi metode transaksi utama, sehingga menimbulkan kesenjangan antara ketersediaan teknologi dan perilaku pengguna, khususnya di Jawa Tengah yang memiliki populasi UMKM besar. Studi ini mengkaji berbagai faktor yang mendorong behavioral intention serta use behavior dalam adopsi QRIS melalui kerangka Unified Theory of Acceptance and Use of Technology 3 (UTAUT 3), dengan melibatkan delapan variabel utama yaitu performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, dan personal innovativeness. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4. Hasil menunjukkan bahwa performance expectancy, social influence, dan Personal Innovativeness berpengaruh positif signifikan terhadap behavioral intention, sedangkan effort expectancy, Hedonic motivation, dan Price Value tidak signifikan. Behavioral intention dan Habit terbukti mendorong Use Behavior, sementara Facilitating conditions tidak signifikan. Sebagai temuan tambahan di luar hipotesis yang dirumuskan, Social Influence juga terbukti berpengaruh positif dan signifikan secara tidak langsung terhadap Use Behavior melalui mediasi behavioral intention. Temuan ini memberikan kontribusi teoritis dan praktis bagi upaya percepatan transformasi digital UMKM melalui optimalisasi penggunaan QRIS secara aktif dan berkelanjutan.
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