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Abstract

Abstract. This study investigates the impact of ease of use and perceived risk on QRIS-based purchasing decisions at food stalls in Semarang City, Indonesia. QRIS is a digital payment system. It aims to understand the mediating role of QRIS usage in this relationship. A cross-sectional survey design was employed to collect data from 96 QRIS users. Data analysis included descriptive statistics, correlation analysis tests, and path analysis using SPSS 25 and the Sobel test. Results show that Ease of use significantly influences both QRIS utilization (β = 0.470, p < 0.001) and purchase decisions (β = 0.822, p < 0.001), while perceived risk positively affects QRIS utilization (β = 0.377, p < 0.001) but not directly purchase decisions (p = 0.926). QRIS usage significantly mediates the relationship between ease of use and purchase decisions (Sobel = 5.291, p < 0.001) and between perceived risk and purchase decisions (Sobel = 2.184, p = 0.028). Together, ease of use and perceived risk explain 58.9% of the variance in QRIS usage and 63.5% of purchase decision behavior. Managerially, food stall owners and digital payment providers should prioritize enhancing QRIS usability, improving transaction clarity, and strengthening consumer trust to drive higher purchase conversions and sustain digital payment adoption in micro and small enterprises.


Keywords: Ease of use, perceived risk, use of qris, purchase decision, food stalls

Keywords

Ease of use Perceived risk Use of QRIS Purchase Decision Food stalls

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This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. Copyright @2017. This is an open-access article distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (http://creativecommons.org/licenses/by-nc-sa/4.0/) which permits unrestricted non-commercial used, distribution and reproduction in any medium 

How to Cite
Adriyanto, A. T., Utami, N. T., & Simamora, E. R. (2025). Optimizing the Use of QRIS in the Food Stalls: Analysis of Convenience and Risk on Purchasing Decisions. The Asian Journal of Technology Management (AJTM), 18(3). https://doi.org/10.12695/ajtm.2025.18.3.2
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