Analysis of Generation Z Consumer Decisions in Using QRIS as a Digital Payment System

Pasya Adinda Putri; Virgi Baker Awan Zibarani; Gisheila Hana Lysa; Marshall Ramadhan; Rizka Zakiah

doi:10.62238/emis.v2i1.246

Authors

Pasya Adinda Putri Universitas Negeri Jakarta, Indonesia Author
Virgi Baker Awan Zibarani Universitas Negeri Jakarta, Indonesia Author
Gisheila Hana Lysa Universitas Negeri Jakarta, Indonesia Author
Marshall Ramadhan Universitas Negeri Jakarta, Indonesia Author
Rizka Zakiah Universitas Negeri Jakarta, Indonesia Author

DOI:

https://doi.org/10.62238/emis.v2i1.246

Keywords:

qris, consumer decision-making, generation z, digital payment

Abstract

Digital transformation has reshaped consumer behavior in financial transactions, particularly among generation Z, who are highly adaptive to technology. This study aims to analyze generation Z consumer decisions in using QRIS as a digital payment system. A descriptive qualitative approach was employed, using online open-ended questionnaires distributed to 227 respondents aged 13–28 years. Thematic analysis was conducted to identify factors influencing QRIS usage decisions. The results indicate that ease of access, transaction speed, and perceived security are dominant factors in the adoption of QRIS, while social influence also plays a significant role among generation Z users. This study highlights the importance of enhancing digital literacy and strengthening consumer trust in technology-based payment services

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