Fauziah, Eva (2024) THE INFLUENCE OF EASE OF ACCESS ON INTEREST IN USING QRIS BY INDONESIAN MUSLIM YOUTH WITH DIGITAL FINANCIAL LITERACY AS A MODERATING VARIABLE. S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

As a type of fintech payment, QRIS (Quick Response Code Indonesia Standard) has attracted the public's attention, especially the younger generation, by providing easy access to non-cash transaction services. Bank Indonesia launched QRIS as a new payment option in 2019, which coincided with Indonesia's 74th Independence Day. However, the increasing use of QRIS (Quick Response Code Indonesian Standard) among Indonesian Muslim youth prompts questions about the factors influencing their interest in this payment technology. The main research questions include the influence of ease of access and digital financial literacy on interest in using QRIS and the role of digital financial literacy as a moderating variable. This study aims to analyze the effect of ease of access on interest in using QRIS, assess the impact of digital financial literacy on such interest, and evaluate the role of digital financial literacy as a moderating variable between ease of access and interest in using QRIS. This research uses a quantitative descriptive method. Data were collected through questionnaires distributed to Indonesian Muslim youth, especially 350 respondents from students at University Darussalam Gontor, Campus C. Data analysis was carried out using multiple linear regression and moderation analysis to test the proposed hypothesis, assisted by IBM SPSS 25 as a tool to analyze the results. The results showed that the Ease of Access partially affected Interest in Using QRIS, and Digital Financial Literacy significantly impacted Interest in Using QRIS. Digital Financial Literacy, as a moderation between ease of access and interest in using QRIS, shows that the Digital Financial Literacy variable can moderate the negative influence between Ease of Access and Interest in Using QRIS. This conclusion confirms that digital financial literacy helps individuals with YOLO lifestyles control impulsive transactions, and provides literacy related to the risks and limitations of digital payment systems, even though they still enjoy the ease of using QRIS

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