Pengaruh Kemudahan, Manfaat dan Risiko Penggunaan Qris Aplikasi BSI Mobile Terhadap Keputusan Konsumen Melakukan Pembayaran di UMKM (Studi Kasus Pada Filosofi Kue Pancong Kartasura Sukoharjo)

Abstract

This research aims to determine the influence of the convenience, benefits and risks of using the QRIS BSI Mobile application on consumers' decisions to make payments at MSMEs. This type of research uses quantitative methods. The data source for this research is primary data with questionnaires distributed to MSME customers of the Kartasura pancong cake philosophy who have used QRIS on the BSI Mobile application in Kartasura. Data collection was carried out through distributing questionnaires using purposive sampling. This research took a sample of 75 respondents. Data analysis techniques use validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing. The results of this research using the t test show that risk has an influence on the decision to use the QRIS BSI Mobile application on consumers' decisions to make payments at MSMEs. The t test results obtained a tvalue of 4,391 > ttable of 1,667 with a significant value of 0,000 < 0,05. Then the benefit variable influences the decision to use the QRIS BSI Mobile application on consumers' decisions to make payments at MSMEs. The results of the t test obtained a tcount value of 5,965, meaning that the tcount value was 4,965 > ttable of 1,667 with a significant value of 0,000 < 0,05. However, convenience has no effect on the decision to use the QRIS BSI Mobile application on consumers' decisions to make payments at MSMEs. The t test results obtained a tcount value of 0,911, meaning that the tcount value was 0,911 < ttable of 1,667 with a significant value of 0,365 > 0,05.