PENGARUH LITERASI KEUANGAN, LITERASI DIGITAL, DAN KEAMANAN INFORMASI TERHADAP KEPUTUSAN PENGGUNAAN QRIS PADA MAHASISWA DI UNIVERSITAS MUHAMMADIYAH PONOROGO

Bank Indonesia has launched a standard QR code for payments, QRIS whose users have increased significantly since it was first launched. However, it turns out that there are still some who do not know and use this payment technology. The purpose of this study is to find out whether financial literacy, digital literacy and information security affect the decision to use QRIS in students of the University of Muhammadiyah Ponorogo. This research is included in quantitative research. The population in this study is students of the University of Muhammadiyah Ponorogo who use QRIS. The sample in the study was selected using the purposive sampling method of 128 respondents. Empirical data was collected from questionnaires distributed through Google Forms, then analyzed using Structural Equation Modeling – Partial Least Square (SEM-PLS). The results of the study showed that there was a significant influence between the variables of financial literacy, digital literacy and information security on the decision to use QRIS in students of the University of Muhammadiyah Ponorogo.