Peran Literasi Digital alam Memoderasi Pengaruh Faktor Adopsi Teknologi Terhadap Transaksi Nasabah: Studi Kasus Pengguna QRIS BRI Di Daerah Penyangga IKN
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor adopsi teknologi berbasis Unified Theory of Acceptance and Use of Technology (UTAUT), yaitu performance expectancy, effort expectancy, social influence, dan facilitating conditions terhadap adopsi QRIS oleh pelaku UMKM pengguna BRIMerchant di wilayah Kabupaten Penajam Paser Utara dan Kabupaten Paser sebagai daerah penyangga Ibu Kota Nusantara (IKN), serta menguji peran literasi digital sebagai variabel moderasi. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 222 responden pelaku UMKM pengguna QRIS BRI. Data dianalisis menggunakan Partial Least Square-Structural Equation Modeling (PLS-SEM) melalui SmartPLS 4. Hasil penelitian menunjukkan bahwa hanya effort expectancy yang berpengaruh positif dan signifikan terhadap adopsi QRIS (β = 0,285; t = 2,406; p = 0,016), sedangkan performance expectancy, social influence, dan facilitating conditions tidak berpengaruh signifikan. Selain itu, literasi digital tidak terbukti memoderasi hubungan antara variabel-variabel UTAUT dengan adopsi QRIS. Model penelitian memiliki koefisien determinasi (R²) sebesar 0,849, yang mengindikasikan bahwa 84,9% variasi adopsi QRIS dapat dijelaskan oleh variabel dalam model. Temuan ini memberikan implikasi bahwa kemudahan penggunaan teknologi pembayaran digital merupakan faktor determinan utama dalam mendorong adopsi QRIS di kalangan pelaku UMKM di wilayah penyangga IKN.
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