Qris payment flexibility and the security of transactions on purchase choices in electronic commerce and supermarkets
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Published:
Nov 30, 2024
Keywords:
Purchase Choices, Security Of Transactions, Qris Payment Flexsibility
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Economy
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Abstract
The objective of this research is to examine the influence of QRIS payment flexibility and the security of transactions on purchase choices in electronic commerce and supermarkets. This research adopts a quantitative approach using a survey method, involving 88 respondents consisting of 27 males and 61 females. The research instrument is a Likert scale questionnaire with 18 items. Data were examined through the application of multiple linear regression analysis. The findings of the analysis indicate that the R Square value is 0.603, indicating that 60.3% of the variation in purchasing decisions can be explained by QRIS payment flexibility and transaction security. The ANOVA F value of 64.421 with a significance value of <0.001 indicates that the regression model used is significant. These findings imply that QRIS payment flexibility and transaction security collectively exert a notable impact on purchasing decisions within e-commerce or supermarkets. This also underscores that QRIS payment flexibility and transaction security are crucial factors affecting consumer buying choices on e-commerce platforms or in supermarkets
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Tullah, B. A. . and Naim, M. (2024) “Qris payment flexibility and the security of transactions on purchase choices in electronic commerce and supermarkets ”, Jurnal Mantik, 8(3), pp. 1582-1592. doi: 10.35335/mantik.v8i3.5760.
References
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Change, G., Cimino, M., York, N., Alifah, U., Mayssara A. Abo Hassanin Supervised, A., Chinatown, Y., … Change, G. (2021). Analisis faktor-faktor yang berpengaruh terhadap keputusan pembelian online platform E-commerce shopee ( studi kasus pada konsumen E-commerce shopee di kota Tegal). Paper Knowledge . Toward a Media History of Documents, 3(2), 18–138.
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Dawam, A., & Ruski, R. (2022). Optimalisasi Integrated Digital Marketing dalam Strategi Pemasaran Home Industry di Desa Bandang Daja Kecamatan Tanjung Bumi. Jurnal Pendidikan dan Kewirausahaan, 10(2), 483–499. https://doi.org/10.47668/pkwu.v10i2.403
Ediputra, M. R., & Amalyah, A. A. (2022). Analysis Factors Affecting Consumer Preferences in using Qris Payment In-Store. In 2022 5th International Conference on Computer and Informatics Engineering, IC2IE 2022. https://doi.org/10.1109/IC2IE56416.2022.9970086
Effendi, N.-. (2017). Studi Budaya Pasar Tradisional Dan Perubahan Gaya Hidup Masyarakat Pedesaan: Kasus Pasa Nagari Dan Masayarakat Nagari Di Propinsi Sumatera Barat. Jurnal Antropologi: Isu-Isu Sosial Budaya, 18(2), 105. https://doi.org/10.25077/jantro.v18.n2.p105-120.2016
Gea, D., & Al-Azhar, N. I. (2021). The analysis of factors affecting using interest of QRIS payment systems on e-wallet applications in indonesia. In Proceedings of 2021 International Conference on Information Management and Technology, ICIMTech 2021 (hal. 111–115). https://doi.org/10.1109/ICIMTech53080.2021.9535036
Godio, M., & Beyer, K. (2019). Evaluation of force-based and displacement-based out-of-plane seismic assessment methods for unreinforced masonry walls through refined model simulations. Earthquake Engineering and Structural Dynamics. https://doi.org/10.1002/eqe.3144
Jahrami, H., Trabelsi, K., Saif, Z., Manzar, M. D., BaHammam, A. S., & Vitiello, M. V. (2023). Reliability generalization meta-analysis of the Athens Insomnia Scale and its translations: Examining internal consistency and test-retest validity. Sleep Medicine. https://doi.org/10.1016/j.sleep.2023.09.015
Kamalina, A. R. (2024). Penggunaan QRIS Makin Pesat, per April 2024 Tumbuh 194%. Diambil dari https://finansial.bisnis.com/read/20240523/11/1767721/penggunaan-qris-makin-pesat-per-april-2024-tumbuh-194
Kristanty, D. N. (2024). Tren dan Tantangan Keamanan Bertransaksi dengan Qris dalam Era Transformasi Sistem Pembayaran Digital, 5(10), 3923–3933.
Kumbara, V. B., Neldi, M., Diana, Y., & Ridwan, M. (2023). Determinasi preferensi konsumen, online customer review, kualitas website dan keamanan, terhadap kepuasan konsumen dengan kepercayaan konsumen sebagai pemediasi. JPPI (Jurnal Penelitian Pendidikan Indonesia), 9(4), 713. https://doi.org/10.29210/020233528
Mageshkumar, G., Suthagar, S., Maher Shalal, D., Muruganantham, S., & Manoji, T. (2023). Flexi-Pay System for Public Transport Based on Passenger Comfort Using Global Positioning System. In Lecture Notes in Networks and Systems (Vol. 563, hal. 593–605). https://doi.org/10.1007/978-981-19-7402-1_42
Maylinda, S., & Sari, I. P. (2021). Optimalisasi Integrated Digital Marketing Dalam Strategi Pemasaran Umkm Imago Raw Honey. JABE (Journal of Applied Business and Economic), 7(4), 521. https://doi.org/10.30998/jabe.v7i4.9940
Nugraha, P. P. (2023). Korelasi Ramalan Joyoboyo Pasar Ilang Kumandange Terhadap Pemasaran Digital Di Era Marketing 4.0 Di Indonesia. Bangun Rekaprima, 9(1), 75. https://doi.org/10.32497/bangunrekaprima.v9i1.4475
Putri, I. D., Hindrayani, A., & Totalia, S. A. (2023). Faktor-Faktor Yang Memengaruhi Penerapan Metode Pembayaran Digital Pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Surakarta Dalam Menghadapi Era Revolusi Industri 4.0. Jurnal Pendidikan Ekonomi (JUPE), 11(2), 202–211. https://doi.org/10.26740/jupe.v11n2.p202-211
Putri, S. A., & Rahmanto, D. N. A. (2023). Analisis Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) sebagai Alat Pembayaran Non Tunai pada Bank Syariah Indonesia KCP Godean 2. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5(1), 456–476. https://doi.org/10.47467/elmal.v5i1.3992
Qiao, G., Pan, W., Chen, J., & Liu, Y. (2010). E-commerce application system security policy. In Proceedings of the 2010 IEEE International Conference on Progress in Informatics and Computing, PIC 2010 (Vol. 2, hal. 1233–1235). https://doi.org/10.1109/PIC.2010.5687915
Rangga Gelar Guntara, Muhammad Naufal Nurfirmansyah, & Ferdiansyah. (2023). Blockchain Implementation in E-Commerce to Improve The Security Online Transactions. Journal of Scientific Research, Education, and Technology (JSRET), 2(1), 328–338. https://doi.org/10.58526/jsret.v2i1.85
Rosa, A., Iisnawati, I., & Daud, I. (2019). Key Factors Analysis of E-Commerce and Marketplace Purchasing Decision in Palembang. Sriwijaya International Journal of Dynamic Economics and Business, 347–362. https://doi.org/10.29259/sijdeb.v2i4.347-362
Sari, I. P. (2024). Adoption of Qris ( Quick Response Code Indonesian Standard ) through a Strategy to Increase the Financial Literacy of UMKM Players in the City of Solo Adopsi Qris ( Quick Response Code Indonesian Standard ) Melalui Strategi Peningkatan Literasi Keuangan P, 2(6), 931–942.
Sayatman, S., Ramadhani, N., & Alamin, R. Y. (2018). Pengembangan Desain Kemasan Produk UMKM Olahan Hasil Laut di Kecamatan Paciran Kab. Lamongan dalam Rangka Meningkatkan Daya Saing dan Perluasan Pemasaran. Sewagati, 2(2). https://doi.org/10.12962/j26139960.v2i2.4642
Shandrivska, O., & Shynkarenko, N. (2020). Applied Risk Assessment in the System of Socio-Economic Processes in Cyberspace. Journal of Lviv Polytechnic National University. Series of Economics and Management Issues, 4(2), 94–105. https://doi.org/10.23939/semi2020.02.094
Sholichin, A. S., & Wisnalmawati, W. (2021). The Effect Of Price, Transaction Security, Online Consumer Review, and Viral Marketing on Purchase Decision in E-Commerce Shopee. Jurnal Riset Ekonomi Manajemen (REKOMEN), 4(2), 121–132. https://doi.org/10.31002/rn.v4i2.3873
suheriadi. (2024). BI Targetkan Pengguna QRIS Tembus 55 Juta di 2024. Diambil dari https://www.fortuneidn.com/finance/suheriadi/pengguna-qris-ditargetkan-tembus-55-juta-di-2024
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al-Qardh, 4(1), 60–75. https://doi.org/10.23971/jaq.v4i1.1442
Taufik, M. M. (2015). Ketersediaan Areal Parkir, Kelengkapan Barang, Lokasi, Harga dan Kualitas Layanan Pengaruhnya Terhadap Keputusan Pembelian Sebagai Variable Intervening Minat Konsumen Berkunjung pada Minimarket Alfamart di Kotamadya Jakarta Selatan. Jurnal Ekonomi dan Manajemen, 4(2), 1–24. Diambil dari https://journal.budiluhur.ac.id/index.php/ema/article/view/317/261
Tuzzahroh, F., & Laela, S. F. (2022). Sharia Audit and Shariah Compliance of Islamic Financial Institutions: A Bibliometric Analysis. Jurnal Ekonomi Syariah Teori dan Terapan, 9(6), 815–833. https://doi.org/10.20473/vol9iss20226pp815-833
Widayanto, M. T., Haris, A., & Syarifah, L. (2023). Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Pembelian. Manajemen dan Kewirausahaan, 4(1), 29–40. https://doi.org/10.53682/mk.v4i1.5821
Zarkasyi, Z. (2022). Etika Profesi Dalam Bidang Teknologi Informasi. Jurnal Teknologi Terapan and Sains 4.0, 3(1), 719. https://doi.org/10.29103/tts.v3i1.8870
Zuniarti, I., Yuniasih, I., Martana, I. K., Setyaningsih, E. D., Susilowati, I. H., Pramularso, E. Y., & Astuti, D. (2021). The effect of the presence of e-commerce on consumer purchasing decisions. International Journal of Data and Network Science, 5(3), 479–484. https://doi.org/10.5267/j.ijdns.2021.3.005
Ardani, W. (2022). Pengaruh Digital Marketing Terhadap Perilaku Konsumen. Jurnal Tadbir Peradaban, 2(1), 40–47. https://doi.org/10.55182/jtp.v2i1.102
Ariningsih, E. P., Wijayanti, W., & Prasaja, M. G. (2022). Intention to Use E-wallet Dilihat dari Perceived Usefulness, Perceived Ease of Use, Perceived Security, dan Trust. Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship. https://doi.org/10.30588/jmp.v11i2.916
Change, G., Cimino, M., York, N., Alifah, U., Mayssara A. Abo Hassanin Supervised, A., Chinatown, Y., … Change, G. (2021). Analisis faktor-faktor yang berpengaruh terhadap keputusan pembelian online platform E-commerce shopee ( studi kasus pada konsumen E-commerce shopee di kota Tegal). Paper Knowledge . Toward a Media History of Documents, 3(2), 18–138.
Chaveesuk, S., Khalid, B., & Chaiyasoonthorn, W. (2021). Digital payment system innovations: A marketing perspective on intention and actual use in the retail sector. Innovative Marketing. https://doi.org/10.21511/im.17(3).2021.09
Dawam, A., & Ruski, R. (2022). Optimalisasi Integrated Digital Marketing dalam Strategi Pemasaran Home Industry di Desa Bandang Daja Kecamatan Tanjung Bumi. Jurnal Pendidikan dan Kewirausahaan, 10(2), 483–499. https://doi.org/10.47668/pkwu.v10i2.403
Ediputra, M. R., & Amalyah, A. A. (2022). Analysis Factors Affecting Consumer Preferences in using Qris Payment In-Store. In 2022 5th International Conference on Computer and Informatics Engineering, IC2IE 2022. https://doi.org/10.1109/IC2IE56416.2022.9970086
Effendi, N.-. (2017). Studi Budaya Pasar Tradisional Dan Perubahan Gaya Hidup Masyarakat Pedesaan: Kasus Pasa Nagari Dan Masayarakat Nagari Di Propinsi Sumatera Barat. Jurnal Antropologi: Isu-Isu Sosial Budaya, 18(2), 105. https://doi.org/10.25077/jantro.v18.n2.p105-120.2016
Gea, D., & Al-Azhar, N. I. (2021). The analysis of factors affecting using interest of QRIS payment systems on e-wallet applications in indonesia. In Proceedings of 2021 International Conference on Information Management and Technology, ICIMTech 2021 (hal. 111–115). https://doi.org/10.1109/ICIMTech53080.2021.9535036
Godio, M., & Beyer, K. (2019). Evaluation of force-based and displacement-based out-of-plane seismic assessment methods for unreinforced masonry walls through refined model simulations. Earthquake Engineering and Structural Dynamics. https://doi.org/10.1002/eqe.3144
Jahrami, H., Trabelsi, K., Saif, Z., Manzar, M. D., BaHammam, A. S., & Vitiello, M. V. (2023). Reliability generalization meta-analysis of the Athens Insomnia Scale and its translations: Examining internal consistency and test-retest validity. Sleep Medicine. https://doi.org/10.1016/j.sleep.2023.09.015
Kamalina, A. R. (2024). Penggunaan QRIS Makin Pesat, per April 2024 Tumbuh 194%. Diambil dari https://finansial.bisnis.com/read/20240523/11/1767721/penggunaan-qris-makin-pesat-per-april-2024-tumbuh-194
Kristanty, D. N. (2024). Tren dan Tantangan Keamanan Bertransaksi dengan Qris dalam Era Transformasi Sistem Pembayaran Digital, 5(10), 3923–3933.
Kumbara, V. B., Neldi, M., Diana, Y., & Ridwan, M. (2023). Determinasi preferensi konsumen, online customer review, kualitas website dan keamanan, terhadap kepuasan konsumen dengan kepercayaan konsumen sebagai pemediasi. JPPI (Jurnal Penelitian Pendidikan Indonesia), 9(4), 713. https://doi.org/10.29210/020233528
Mageshkumar, G., Suthagar, S., Maher Shalal, D., Muruganantham, S., & Manoji, T. (2023). Flexi-Pay System for Public Transport Based on Passenger Comfort Using Global Positioning System. In Lecture Notes in Networks and Systems (Vol. 563, hal. 593–605). https://doi.org/10.1007/978-981-19-7402-1_42
Maylinda, S., & Sari, I. P. (2021). Optimalisasi Integrated Digital Marketing Dalam Strategi Pemasaran Umkm Imago Raw Honey. JABE (Journal of Applied Business and Economic), 7(4), 521. https://doi.org/10.30998/jabe.v7i4.9940
Nugraha, P. P. (2023). Korelasi Ramalan Joyoboyo Pasar Ilang Kumandange Terhadap Pemasaran Digital Di Era Marketing 4.0 Di Indonesia. Bangun Rekaprima, 9(1), 75. https://doi.org/10.32497/bangunrekaprima.v9i1.4475
Putri, I. D., Hindrayani, A., & Totalia, S. A. (2023). Faktor-Faktor Yang Memengaruhi Penerapan Metode Pembayaran Digital Pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Surakarta Dalam Menghadapi Era Revolusi Industri 4.0. Jurnal Pendidikan Ekonomi (JUPE), 11(2), 202–211. https://doi.org/10.26740/jupe.v11n2.p202-211
Putri, S. A., & Rahmanto, D. N. A. (2023). Analisis Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) sebagai Alat Pembayaran Non Tunai pada Bank Syariah Indonesia KCP Godean 2. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5(1), 456–476. https://doi.org/10.47467/elmal.v5i1.3992
Qiao, G., Pan, W., Chen, J., & Liu, Y. (2010). E-commerce application system security policy. In Proceedings of the 2010 IEEE International Conference on Progress in Informatics and Computing, PIC 2010 (Vol. 2, hal. 1233–1235). https://doi.org/10.1109/PIC.2010.5687915
Rangga Gelar Guntara, Muhammad Naufal Nurfirmansyah, & Ferdiansyah. (2023). Blockchain Implementation in E-Commerce to Improve The Security Online Transactions. Journal of Scientific Research, Education, and Technology (JSRET), 2(1), 328–338. https://doi.org/10.58526/jsret.v2i1.85
Rosa, A., Iisnawati, I., & Daud, I. (2019). Key Factors Analysis of E-Commerce and Marketplace Purchasing Decision in Palembang. Sriwijaya International Journal of Dynamic Economics and Business, 347–362. https://doi.org/10.29259/sijdeb.v2i4.347-362
Sari, I. P. (2024). Adoption of Qris ( Quick Response Code Indonesian Standard ) through a Strategy to Increase the Financial Literacy of UMKM Players in the City of Solo Adopsi Qris ( Quick Response Code Indonesian Standard ) Melalui Strategi Peningkatan Literasi Keuangan P, 2(6), 931–942.
Sayatman, S., Ramadhani, N., & Alamin, R. Y. (2018). Pengembangan Desain Kemasan Produk UMKM Olahan Hasil Laut di Kecamatan Paciran Kab. Lamongan dalam Rangka Meningkatkan Daya Saing dan Perluasan Pemasaran. Sewagati, 2(2). https://doi.org/10.12962/j26139960.v2i2.4642
Shandrivska, O., & Shynkarenko, N. (2020). Applied Risk Assessment in the System of Socio-Economic Processes in Cyberspace. Journal of Lviv Polytechnic National University. Series of Economics and Management Issues, 4(2), 94–105. https://doi.org/10.23939/semi2020.02.094
Sholichin, A. S., & Wisnalmawati, W. (2021). The Effect Of Price, Transaction Security, Online Consumer Review, and Viral Marketing on Purchase Decision in E-Commerce Shopee. Jurnal Riset Ekonomi Manajemen (REKOMEN), 4(2), 121–132. https://doi.org/10.31002/rn.v4i2.3873
suheriadi. (2024). BI Targetkan Pengguna QRIS Tembus 55 Juta di 2024. Diambil dari https://www.fortuneidn.com/finance/suheriadi/pengguna-qris-ditargetkan-tembus-55-juta-di-2024
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al-Qardh, 4(1), 60–75. https://doi.org/10.23971/jaq.v4i1.1442
Taufik, M. M. (2015). Ketersediaan Areal Parkir, Kelengkapan Barang, Lokasi, Harga dan Kualitas Layanan Pengaruhnya Terhadap Keputusan Pembelian Sebagai Variable Intervening Minat Konsumen Berkunjung pada Minimarket Alfamart di Kotamadya Jakarta Selatan. Jurnal Ekonomi dan Manajemen, 4(2), 1–24. Diambil dari https://journal.budiluhur.ac.id/index.php/ema/article/view/317/261
Tuzzahroh, F., & Laela, S. F. (2022). Sharia Audit and Shariah Compliance of Islamic Financial Institutions: A Bibliometric Analysis. Jurnal Ekonomi Syariah Teori dan Terapan, 9(6), 815–833. https://doi.org/10.20473/vol9iss20226pp815-833
Widayanto, M. T., Haris, A., & Syarifah, L. (2023). Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Pembelian. Manajemen dan Kewirausahaan, 4(1), 29–40. https://doi.org/10.53682/mk.v4i1.5821
Zarkasyi, Z. (2022). Etika Profesi Dalam Bidang Teknologi Informasi. Jurnal Teknologi Terapan and Sains 4.0, 3(1), 719. https://doi.org/10.29103/tts.v3i1.8870
Zuniarti, I., Yuniasih, I., Martana, I. K., Setyaningsih, E. D., Susilowati, I. H., Pramularso, E. Y., & Astuti, D. (2021). The effect of the presence of e-commerce on consumer purchasing decisions. International Journal of Data and Network Science, 5(3), 479–484. https://doi.org/10.5267/j.ijdns.2021.3.005
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