{"title":"基于二维码的支付。消费者是否打算采用零售购买交易?","authors":"W. Widayat, Marsudi, I. Masudin","doi":"10.21511/bbs.18(3).2023.01","DOIUrl":null,"url":null,"abstract":"The Quick Response (QR) code payment is a relatively new means of payment in Indonesia. Even though this strategy offers a great deal of use, not many people are familiar with it or use it. In this regard, it is fascinating to look at what makes people use the QR Code payment method. The quantitative study used a five-point Likert scale questionnaire to sample e-money users through social media groups. In addition, structural Equation Modeling (SEM), employee Smart-PLS 3.0, was used to examine the data. The results show that social factors affect how people feel about QR code payments, and facilitating support and performance expectations affect how likely they are to use it. Also, attitudes, a mediator of social impact, can change the effect of support performance expectations on adoption intentions. Because of this, people accepting QR code-based payments take a positive attitude. Also, the facilities and environment affected a positive attitude, expected performance, ease of operation, and social interactions. Based on the results, the recommendation for financial institutions and innovation is that the facility and social environment are critical to the success of financial innovation. So, if more people want to use QR code-based payments, financial institutions need to make it easy for them.\nAcknowledgmentThe author would like to thank the Rector, Vice-Rector of the University of Muhammadiyah Malang. Furthermore, the author sincerely thanks the University of Muhammadiyah Malang’s Dean of Business and Economics Faculty. A University of Muhammadiyah Malang’s School of Economics and Business member supported finishing this paper.","PeriodicalId":53480,"journal":{"name":"Banks and Bank Systems","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":"{\"title\":\"QR-code-based payment. Does the consumer intend to adopt a retail buying transaction?\",\"authors\":\"W. Widayat, Marsudi, I. Masudin\",\"doi\":\"10.21511/bbs.18(3).2023.01\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The Quick Response (QR) code payment is a relatively new means of payment in Indonesia. Even though this strategy offers a great deal of use, not many people are familiar with it or use it. In this regard, it is fascinating to look at what makes people use the QR Code payment method. The quantitative study used a five-point Likert scale questionnaire to sample e-money users through social media groups. In addition, structural Equation Modeling (SEM), employee Smart-PLS 3.0, was used to examine the data. The results show that social factors affect how people feel about QR code payments, and facilitating support and performance expectations affect how likely they are to use it. Also, attitudes, a mediator of social impact, can change the effect of support performance expectations on adoption intentions. Because of this, people accepting QR code-based payments take a positive attitude. Also, the facilities and environment affected a positive attitude, expected performance, ease of operation, and social interactions. Based on the results, the recommendation for financial institutions and innovation is that the facility and social environment are critical to the success of financial innovation. So, if more people want to use QR code-based payments, financial institutions need to make it easy for them.\\nAcknowledgmentThe author would like to thank the Rector, Vice-Rector of the University of Muhammadiyah Malang. Furthermore, the author sincerely thanks the University of Muhammadiyah Malang’s Dean of Business and Economics Faculty. A University of Muhammadiyah Malang’s School of Economics and Business member supported finishing this paper.\",\"PeriodicalId\":53480,\"journal\":{\"name\":\"Banks and Bank Systems\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2023-06-30\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Banks and Bank Systems\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.21511/bbs.18(3).2023.01\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"Social Sciences\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Banks and Bank Systems","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.21511/bbs.18(3).2023.01","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"Social Sciences","Score":null,"Total":0}
QR-code-based payment. Does the consumer intend to adopt a retail buying transaction?
The Quick Response (QR) code payment is a relatively new means of payment in Indonesia. Even though this strategy offers a great deal of use, not many people are familiar with it or use it. In this regard, it is fascinating to look at what makes people use the QR Code payment method. The quantitative study used a five-point Likert scale questionnaire to sample e-money users through social media groups. In addition, structural Equation Modeling (SEM), employee Smart-PLS 3.0, was used to examine the data. The results show that social factors affect how people feel about QR code payments, and facilitating support and performance expectations affect how likely they are to use it. Also, attitudes, a mediator of social impact, can change the effect of support performance expectations on adoption intentions. Because of this, people accepting QR code-based payments take a positive attitude. Also, the facilities and environment affected a positive attitude, expected performance, ease of operation, and social interactions. Based on the results, the recommendation for financial institutions and innovation is that the facility and social environment are critical to the success of financial innovation. So, if more people want to use QR code-based payments, financial institutions need to make it easy for them.
AcknowledgmentThe author would like to thank the Rector, Vice-Rector of the University of Muhammadiyah Malang. Furthermore, the author sincerely thanks the University of Muhammadiyah Malang’s Dean of Business and Economics Faculty. A University of Muhammadiyah Malang’s School of Economics and Business member supported finishing this paper.
期刊介绍:
The journal focuses on the results of scientific researches on monetary policy issues in different countries and regions all over the world. It also analyzes the activities of international financial organizations, central banks, and bank institutions. Key topics: -Monetary Policy in Different Countries and Regions; -Monetary and Payment Systems; -International Financial Organizations and Institutions; -Monetary Policy of Central Banks; -Organizational Structure, Functions and Activities of Central Banks; -State Policy and Regulation of Banking; -Bank Competitiveness; -Banks at the Financial Markets; -Bank Associations and Conglomerates; -International Payment Systems; -Investment Banking; -Financial Risks and Risk Management in Banks; -Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks; -Corporate Governance and Goodwill; -Personnel Management in Banks; -Econometric, Statistical Methods; Econometric Modeling of Bank Activities; -Bank Ratings.