Potensi QRIS M-banking Bank Syariah sebagai Teknologi Pembayaran untuk Mendukung Inklusi Keuangan Syariah di Indonesia

Fajar Sodik; Alex Fahrur Riza

doi:10.52813/jei.v12i2.315

Fajar Sodik Perbankan Syariah, UIN Sunan Kalijaga, Indonesia https://orcid.org/0000-0002-3938-9012
Alex Fahrur Riza Perbankan Syariah, UIN Sunan Kalijaga, Indonesia

DOI: https://doi.org/10.52813/jei.v12i2.315

Keywords: sistem pembayaran QR, QRIS, kepercayaan, kepuasan, pengetahuan tentang riba

Abstract

Penelitian ini bertujuan untuk menganalisis penerimaan aplikasi QRIS M-banking bank syariah sebagai teknologi pembayaran non-tunai dan faktor-faktor yang memengaruhi adopsi pengguna. Penelitian menggunakan pendekatan multimethod dan purposive sampling. Penelitian ini melibatkan 134 responden pada tahap pertama dan 249 responden pada tahap kedua dari berbagai kota di Indonesia. Analisis data dilakukan dengan menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa 6 dari 10 hipotesis yang diajukan didukung dan terdapat 14 faktor utama yang mendorong nasabah menggunakan layanan QRIS M-banking bank syariah. Hasil dari penelitian ini dapat digunakan oleh industri QRIS M-banking bank syariah untuk meningkatkan kualitas layanannya dan memenuhi kebutuhan nasabah dalam ranah financial technology yang sesuai syariah.

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