QRIS Sebagai Alat Transaksi Digital Generasi Z: Analisis Faktor

Ekonomi Keuangan

Abstract

This study aims to determine the effect of beliefs, culture, lifestyle, and financial literacy on the decision of Generation Z to use QRIS as a digital transaction tool. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Trust, culture, lifestyle and financial literacy have contributed 73.5% to the decision of Generation Z to use QRIS, the remaining 26.5% is explained by other variables outside this research model. The results of the t-test concluded that the variables of belief, culture and lifestyle had a positive and significant effect on the decision to use QRIS in Generation Z. The financial literacy variable had a negative and insignificant effect on the decision of Generation Z to use QRIS. Based on the ANOVA test, the F-count obtained is 64,431 which is greater than the F-table (2.47), it is concluded that belief, culture, lifestyle, and financial literacy have a simultaneous effect on the decisions of Generation Z using the Quick Response Code Indonesian Standard (QRIS) as a tool. digital transaction