Analyzing Consumer Payment Preferences: QRIS vs. Traditional Banking Services
DOI:
https://doi.org/10.30983/gic.v3i1.842Kata Kunci:
Payment Preferences, QRIS, Traditional Banking Services, Consumers, Payment Digitalization, Security, ConvenienceAbstrak
This study analyzes consumer payment preferences in Indonesia, specifically the comparison between QRIS and traditional banking services, in the context of the rapid transformation of the digital payment landscape. Using a quantitative approach through a consumer survey, the study identifies the determinants behind their choice of payment method. The results indicate a hybrid payment strategy: QRIS is very dominant for small to medium value transactions due to its superior convenience and transaction speed, while traditional banking services remain the main choice for large value transactions due to higher perceived security and trust. Transaction cost factors also influence preferences, with QRIS often offering savings, although the effect is not as large as other factors. Furthermore, demographic and psychological analysis reveals that young age and high digital literacy are positively correlated with QRIS preferences, while social influences also drive adoption. This study underscores that consumer payment preferences are complex multifactorial phenomena, influenced by a combination of technological efficiency, security assurance, and individual characteristics and social environment. These findings provide strategic implications for payment service providers and regulators in designing inclusive products, policies, and education programs to drive the digitalization of the Indonesian economy.
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