The Role of Trust in Mediating Risk Perception and Security Perception on the Intention to Use QRIS
DOI:
https://doi.org/10.58192/profit.v5i2.4363Keywords:
Intention Of Use, Perception Of Security, QRIS, Risk Perception, TrustAbstract
The development of digital payments through QRIS has encouraged changes in people's transaction behavior, but they still face obstacles related to risk perception, security perception, and user trust. This study aims to analyze the influence of risk perception and security perception on the intention to use QRIS with trust as a mediating variable. Using a quantitative method with a survey approach, data was collected through a questionnaire distributed to 100 respondents consisting of business actors and communities in Shelter Manahan, solo using purposive sampling techniques. The data analysis was conducted with Structural Equation Modeling (SEM) based on Partial Least Square (PLS). The results showed that risk perception had a negative and significant effect on use intention, while safety perception had a positive and significant effect on use intention. Trust has also been shown to have a positive and significant effect on the intention to use QRIS and is able to mediate the influence of risk perception and security perception on the intention to use. In conclusion, trust is the key to increasing the intention to use QRIS, so strengthening security aspects and effective risk management needs to be done to encourage the adoption of digital payments more widely. The implications of this study provide recommendations for service providers to improve system reliability to build user trust.
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