Aufa Habibie. The Effect of Perceived Usefulness and Perceived Ease of Use on QRIS Transaction Adoption: The Mediating Role of Attitude Toward Use. 

Supervisor: Hastin Umi Anisah

In today’s digital era, the use of cashless payment systems, such as QRIS, is increasingly prevalent, driven by technological advancements and shifting consumer behavior. This study aims to analyze the influence of Perceived Usefulness and Perceived Ease of Use on QRIS Transaction Adoption among millennial users in Banjarbaru City, with Attitude as a mediating variable. 

This research used a quantitative approach with a non-probability sampling technique through purposive sampling. A total of 200 respondents participated in this study by completing questionnaires, and the data were analyzed using the PLS-SEM technique via SmartPLS 4.0. The characteristics of the respondents were largely dominated by individuals aged 30 to 34 years, with a majority being female. Most respondents are active QRIS users for daily digital transactions. This reflects the increasing role of QRIS as a practical and efficient digital payment tool among millennials.

The results of this study indicate that: (1) Perceived usefulness has a positive and significant effect on QRIS transaction adoption; (2) Perceived ease of use has a positive and significant effect on QRIS transaction adoption; (3) Perceived usefulness has a positive and significant effect on attitude toward using QRIS; (4) Perceived ease of use has a positive and significant effect on attitude toward using QRIS; (5) Attitude has a positive and significant effect on QRIS transaction adoption; (6) Perceived usefulness has a positive and significant effect on QRIS transaction adoption through attitude as a mediating variable; (7) Perceived ease of use has a positive and significant effect on QRIS transaction adoption through attitude as a mediating variable.

Keywords: Perceived Usefulness, Perceived Ease of Use, Attitude Toward Use, Transaction Adoption, QRIS, Digital Payment, Millennials.