FAKTOR-FAKTOR YANG MEMENGARUHI KEPUTUSAN MAHASISWA POLITEKNIK NEGERI SAMARINDA MENGGUNAKAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL

Abstract

Technological developments especially in the financial sector, have changed the process of cash transactions to non-cash.. One of them is by creating the Quick Response Code Indonesian Standard (QRIS). The purpose of this study is to find out whether there is an influence of lifestyle, security, and risk perception on the decision of Samarinda State Polytechnic students to use QRIS as a digital means of payment. This study is a quantitative research with primary data obtained from the distribution of questionnaires to all students of the Samarinda State Polytechnic with a sample of 112 respondents. The sampling technique uses the Purposive Sampling technique. The analysis method used in this study is multiple linear regression analysis with a testing tool, namely IBM SPSS version 23. In the results of simultaneous testing, the variables of lifestyle, security, and risk perception have a positive and significant effect on students' decision to use QRIS as a digital payment tool.