Understanding the drivers of qris adoption in Islamic banks: The moderating role of knowledge

Arifiandi, M. Arfan, Rahmawati, Zulfa Muasaroh Binti, Miranti, Titis ORCID: https://orcid.org/0000-0002-8720-3809 and Kornitasari, Yenny ORCID: https://orcid.org/0000-0001-8842-8113 (2025) Understanding the drivers of qris adoption in Islamic banks: The moderating role of knowledge. Presented at ICONIES 11th 2025, 16 October 2025, UIN Maulana Malik Ibrahim Malang.

Preview

Text 29339.pdf - Published Version Available under License Creative Commons Attribution Share Alike. Download (441kB) | Preview

Abstract

This study aims to analyze the influence of Perceived Usefulness, Perceived Ease of Use, and Habit on the Decision to Use QRIS on Micro, Small and Medium Enterprises (MSME) consumers in Malang City, and to evaluate the role of Knowledge as a moderating variable in this relationship. This study uses a quantitative approach with data collection techniques through questionnaires to 384 respondents who are users of QRIS of Islamic Banks. Data analysis was conducted using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. The results of the study showed that Perceived Usefulness, Perceived Ease of Use, and Habit had a significant effect on the Decision to Use QRIS. In addition, Knowledge was proven to significantly moderate the entire relationship between Perceived Usefulness, and Habit on the Decision to Use. Meanwhile, Knowledge did not moderate the influence of Perceived Ease of Use on the Decision to Use QRIS Islamic Banks. This study provides implications for Islamic banking and MSME actors to improve consumer understanding of the benefits and ease of use of QRIS, as well as to know the Habits in adopting Islamic-based financial technology.

Item Type:	Conference (Paper)
Keywords:	qris; islamic bank; perceived usefulness; perceived ease of use; habit; knowledge; msmes; decision to use
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150307 Innovation and Technology Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150313 Quality Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Titis Miranti
Date Deposited:	26 Oct 2026 08:29

Downloads

Origin of downloads

Actions (login required)

View Item