The Effect Of Knowledge, Security, And Convenience On The Frequency Of Digital Payment Use From Physical Cards To Bsi Qris Mobile Banking In Generation Z (A Study on Students of the Faculty of Islamic Economics and Business, UIN Alauddin Makassar)

Abstract

The development of digital technology has encouraged changes in payment systems from physical card usage to QRIS-based digital payments. This study aims to analyze the influence of knowledge, security, and convenience on the frequency of digital payment usage from physical cards to QRIS Mobile Banking BSI among Generation Z, specifically students of the Faculty of Islamic Economics and Business at UIN Alauddin Makassar. This research used a quantitative method with an associative causal approach. The sampling technique used purposive sampling with 97 active students who use QRIS Mobile Banking BSI as respondents. Data analysis was conducted using multiple linear regression with SPSS software. The results showed that knowledge had a negative and significant effect on the frequency of QRIS usage, security had no significant partial effect, while convenience had a positive and significant effect and became the most dominant variable influencing the frequency of digital payment usage. Simultaneously, knowledge, security, and convenience significantly influenced the frequency of digital payment usage from physical cards to QRIS Mobile Banking BSI among Generation Z. This study implies that improving convenience and digital service quality is the main factor in encouraging sustainable QRIS usage among students.