UNDERSTANDING QRIS USAGE DECISIONS IN INDONESIA: THE MEDIATING ROLE OF TRUST BETWEEN SECURITY, REPUTATION, AND RISK PERCEPTION

Description

Reputation acts as a signal that reduces information asymmetry and uncertainty, enabling users to form trust, which subsequently drives their usage decisions. On the other hand, risk perception negatively influences trust. When users perceive higher levels of risk, such as financial loss, privacy concerns, or system failure, they tend to develop lower trust in the system. High perceived risk increases uncertainty and discourages users from engaging with digital payment platforms. Therefore, reducing perceived risk is essential to strengthen trust and encourage adoption. Trust, therefore, functions as a mediating variable that explains how perceived security, reputation, and risk perception influence QRIS usage decisions. While these factors shape users’ initial perceptions, it is trust that translates these perceptions into actual behavioral outcomes. Without trust, even high security or strong reputation may not directly lead to usage decisions, and high perceived risk may further hinder adoption. From the above explanation, the following six theories are put forward: H1: Perceived security has a positive effect on trust in QRIS. H2: Perceived security has a positive effect on usage decision. H3: Reputation has a positive effect on trust in QRIS. H4: Reputation has a positive effect on usage decision. H5: Risk Perception has a negative effect on trust in QRIS. H6: Risk Perception has a negative effect on usage decision. H7: Trust has a positive effect on QRIS usage decisions. H8: Trust mediates the relationship between perceived security and QRIS usage decisions. H9: Trust mediates the relationship between reputation and QRIS usage decisions. H10: Trust mediates the relationship between perceived risk and QRIS usage decisions.

Institutions

• Binus University

  Jakarta, Jakarta

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