APPLICATION OF THE TAM MODEL AND FINANCIAL LITERACY IN QRIS DIGITAL PAYMENT DECISIONS (STUDY ON SEMARANG STATE POLYTECHNIC STUDENTS)

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.917. The findings reveal that TAM variables—perceived ease of use, usefulness, enjoyment, and financial literacy—significantly influence the interest in adopting QRIS for digital payments, supported by probability values below 1%.