Digital Payment Efficiency through QRIS Convenience and Security: The Mediating Role of Trust

Abstrak

Drawing on the Technology Acceptance Model (TAM) and Diffusion of Innovation, this study examines the effects of Quick Response Code Indonesian Standard (QRIS) ease and security on digital payment efficiency, with trust as a mediator. Using a quantitative approach, the study sampled 96 residents of Denpasar City (Gen X and Y) City using the Lemeshow formula. Seven hypotheses were tested using Structural Equation Modeling (SEM-PLS). QRIS convenience significantly improved digital payment efficiency (β=0.439; p<0.05) and trust (β=0.567; p<0.05). Conversely, QRIS security does not directly affect efficiency (β=0.089; p>0.05), but significantly increases trust (β=0.312; p<0.05). Trust significantly enhanced efficiency (β=0.537; p<0.05) and mediated the effects of both convenience (β=0.305; p<0.05) and security (β=0.168; p<0.05). QRIS convenience directly impacts efficiency and trust, whereas security primarily influences efficiency through trust. Focusing on Gen X and Y in Denpasar, these findings suggest that policymakers and providers should prioritize strengthening convenience, security, and user trust to maximize digital payment efficiency. Theoretically, this study extends the TAM and DOI frameworks by positioning trust as a vital mediator in QRIS adoption within a multigenerational urban context.