QRIS in Gen Z Daily Life: Usage Patterns and Insights for Future Development

Abstract

Abstract - This study explores the factors that influence Generation Z's decisions to use the Quick Response Code Indonesian Standard (QRIS) in Salatiga, a small but digitally active city in Central Java. While QRIS adoption in metropolitan areas has been widely studied, there is little known about usage patterns in smaller cities with limited infrastructure access. This study uses a quantitative survey involving 101 respondents aged 18–26 years to analyze the role of perceived usefulness, trust, and community preferences in determining QRIS usage decisions. Data analysis was conducted using STATA, including descriptive statistics, matrix correlation, reliability tests, and multiple linear regression. The results indicate that perceived usefulness (β = 0.4523, p < 0.001) and community preferences (β = 0.3830, p = 0.002) significantly influence the decision to use QRIS, while perceived trust does not show a statistically significant effect. These findings suggest that for digital-native users in small cities, usefulness and social influence are more dominant than trust factors in driving QRIS usage. Practical implications highlight the need for community-based engagement and the development of user-centric features, such as split bills functions and reliable offline QRIS transactions. This study expands the Technology Acceptance Model by including relevant contextual and social factors.

Keywords - QRIS, Generation Z, financial technology adoption, perceived usefulness, community preferences, small city