Electronic Theses and Dissertation

abstrak penelitian ini bertujuan untuk menguji pengaruh persepsi kemudahan, persepsi manfaat, dan persepsi keamanan terhadap minat generasi z dalam menggunakan sistem pembayaran quick response code indonesian standard (qris) di kota banda aceh. menggunakan pendekatan kuantitatif kausalitas yang dilandasi oleh technology acceptance model (tam), data dikumpulkan melalui penyebaran kuesioner berskala likert kepada 412 responden mahasiswa akuntansi generasi z yang dipilih dengan teknik purposive sampling. data tersebut kemudian dianalisis menggunakan metode partial least squares structural equation modeling (plssem) dengan bantuan perangkat lunak smartpls 4.1.1.8. hasil pengujian hipotesis membuktikan bahwa persepsi kemudahan, persepsi manfaat, dan persepsi keamanan, baik secara parsial maupun simultan, berpengaruh positif dan signifikan terhadap minat generasi z dalam menggunakan qris di kota banda aceh. model penelitian ini mampu menjelaskan 62,4% varians pada minat penggunaan, yang menegaskan bahwa kemudahan operasional, manfaat fungsional, dan jaminan keamanan merupakan determinan utama yang mendorong adopsi teknologi pembayaran digital pada kalangan generasi muda. kata kunci: technology acceptance model, persepsi keamanan, minat penggunaan, qris, generasi z.

ABSTRACT This study aims to examine the effect of perceived ease of use, perceived usefulness, and perceived security on Generation Z's intention to use the Quick Response Code Indonesian Standard (QRIS) payment system in Banda Aceh City. Using a causal quantitative approach based on the Technology Acceptance Model (TAM), data were collected through the distribution of Likert-scale questionnaires to 412 Generation Z accounting student respondents selected via purposive sampling technique. The data were then analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4.1.1.8 software. The results of the hypothesis testing prove that perceived ease of use, perceived usefulness, and perceived security, both partially and simultaneously, have a positive and significant effect on Generation Z's intention to use QRIS in Banda Aceh City. This research model is able to explain 62.4% of the variance in the intention to use, confirming that operational ease, functional benefits, and security guarantees are the main determinants driving the adoption of digital payment technology among the younger generation. Keywords: Technology Acceptance Model, Perceived Security, Intention to Use, QRIS, Generation Z.