Analysis of Students' Perceptions of The Use of QRIS as A Digital Payment Method (A Study of Students in the Faculty of Islamic Economics and Business)

Abstract

This study examines students’ perceptions of the use of the Quick Response Code Indonesian Standard (QRIS) as a digital payment instrument, particularly regarding its benefits, advantages, and challenges. Although digital payments offer convenience in daily transactions, understanding students’ experiences is essential to identify factors that support or hinder their adoption of QRIS. This study aimed to analyze the perceptions of students at the Faculty of Islamic Economics and Business regarding the use of QRIS. A qualitative approach with a phenomenological method was employed. Data were collected through observation, interviews, and documentation involving three student informants selected using purposive sampling. The data were analyzed descriptively to identify the main themes emerging from the informants’ experiences. The findings revealed that students generally perceived QRIS positively. In terms of benefits, QRIS was considered practical for facilitating cashless transactions and supporting financial management through transaction-recording features. Its main advantages included ease of use, speed, efficiency, security, and compatibility with various payment platforms, including mobile banking applications and electronic wallets. Students also expressed satisfaction with QRIS because it supported their daily transaction activities. However, several challenges remained, including dependence on internet connectivity, system disruptions and application errors, limited merchant adoption, and students’ habitual preference for cash. These findings indicate that QRIS is well accepted among students, but its optimal utilization requires improvements in digital infrastructure, wider merchant adoption, and more extensive socialization to encourage cashless payment practices.