Abstract

The development and increasing penetration of the internet have driven significant changes in Indonesia's business landscape, particularly in digital payment patterns. One innovation in digital payment systems is the Quick Response Indonesia Standard (QRIS), which standardizes non-cash payments using QR Codes. This study aims to examine the influence of Perceived Risk and Trust on the decision to use QRIS in Mataram City. This associative study targets residents of Mataram City who use QRIS as a non-cash payment method. A total of 100 respondents were selected through purposive sampling. Data collection techniques included interviews, questionnaires, and documentation, while data analysis employed multiple linear regression. The results indicate that both Perceived Risk and Trust have a positive and significant influence on the decision to use QRIS. These findings provide insights for Bank Indonesia to expand QRIS networks, minimize risks, and enhance public trust in QRIS as an efficient digital payment solution.

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