Evaluating the Application of the Theory of Planned Behavior in Predicting QRIS Adoption Among Indonesian University Students

Authors

  • Doni Sugianto Sihotang Universitas Negeri Jakarta, Jakarta, Indonesia
  • Usep Suhud Universitas Negeri Jakarta, Jakarta, Indonesia
  • Mohamad Rizan Universitas Negeri Jakarta, Jakarta, Indonesia

DOI:

https://doi.org/10.38035/gijtm.v3i2.393

Keywords:

Theory of Planned Behavior, QRIS, Subjective Norm, Technology Adoption, Digital Payment

Abstract

The use of digital-based transactions in Indonesia continues to increase; however, the adoption of QRIS as the national payment standard still faces challenges among university students. Despite being predominantly digital natives with high potential to adopt payment technologies such as QRIS, students’ actual usage remains suboptimal. Several previous studies have employed various technology adoption theories to explain similar phenomena, utilizing a range of theoretical approaches. This study develops a conceptual model based on the Theory of Planned Behavior (TPB) to identify the predictors influencing students’ intention to use QRIS. Drawing from a literature review, this study aims to evaluate the relationship between key TPB constructs—attitude, subjective norm, and perceived behavioral control—and students’ intention to use QRIS. The proposed model is expected to serve as a foundation for future empirical research and to inform the development of more effective strategies for increasing QRIS adoption among university students.

References

Ajzen, I. (1991). The Theory of planned behavior. Organizational Behavior and Human Decision Processes.

Copeland, L. R., Bhaduri, G., & Huang, O. (2023). Understanding Chinese Gen Z and their online shopping intentions through TAM. Asia Pacific Journal of Marketing and Logistics, 35(10), 2361–2376. https://doi.org/10.1108/APJML-03-2022-0241

Dina, S., & Satria, U. (2024). Cashless Behavior among Yogyakarta Muslim Students?: Digital Financial Literacy and QRIS Payment Intention. 02007, 1–11.

Kristiyono, Y. R., Roring, E. R., & Suryawan, I. N. (2021). The Effect Of Perceived Benefits In Formatting Male Online Shoppers’ Attitude. Jurnal Manajemen, 25(2), 290–311.

Lau, E. A., & Kulsum, U. (2023). Becoming a Cashless Society: The Role of QRIS from the Z-Generation Student’s Perspective. Journal of Accounting and Strategic Finance, 6(1), 172–191. https://doi.org/10.33005/jasf.v6i1.404

Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130–141. https://doi.org/10.1016/j.elerap.2008.11.006

Nurhapsari, R., & Sholihah, E. (2022). Analysis of the factors of intention to use QRIS for MSMEs in Semarang City’s traditional market. Jurnal Ekonomi Modernisasi, 18(2), 199–211. https://doi.org/10.21067/jem.v18i2.7291

Paleni, H., & Indah, T. P. (2025). Increasing University Students Intentional Use Of QRIS How to Cite?: 13(3), 1975–1984.

Paramita, E. D., & Cahyadi, E. R. (2024). The Determinants of Behavioral Intention and Use Behavior of QRIS as Digital Payment Method Using Extended UTAUT Model. Indonesian Journal of Business and Entrepreneurship, 10(1), 132–145. https://doi.org/10.17358/ijbe.10.1.132

Sauchelli, S., Pickles, T., Voinescu, A., Choi, H., Sherlock, B., Zhang, J., Colyer, S., Grant, S., Sundari, S., & Lasseter, G. (2023). Public attitudes towards the use of novel technologies in their future healthcare: a UK survey. BMC Medical Informatics and Decision Making, 23(1), 1–13. https://doi.org/10.1186/s12911-023-02118-2

Tenggino, D., & Mauritsius, T. (2022). Evaluation of Factors Affecting Intention To Use Qris Payment Transaction. ICIC Express Letters, 16(4), 343–349. https://doi.org/10.24507/icicel.16.04.343

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478. https://doi.org/10.2307/30036540

Zhilalul Haq, M., Hakim Handoko, L., & Asysyad Rasyid, A. (2023). Analysis of the Influence of Perceived Benefits, Easiness and Risk on Students’ Interest in Using QRIS. Journal of Business Management and Islamic Banking, 02(2), 95–116. https://doi.org/10.14421/jbmib.v2i2.2075

Published

2025-06-08

How to Cite

Sihotang, D. S., Suhud, U., & Rizan, M. (2025). Evaluating the Application of the Theory of Planned Behavior in Predicting QRIS Adoption Among Indonesian University Students. Greenation International Journal of Tourism and Management, 3(2), 117–120. https://doi.org/10.38035/gijtm.v3i2.393