THE INFLUENCE OF DIGITAL FINANCIAL LITERACY ON QRIS USE IN THE FACULTY OF ECONOMICS, UNIMED

Abstract

This study aims to examine the impact of digital financial literacy on the use of the Quick Response Code Indonesian Standard (QRIS) among students of the Faculty of Economics at Universitas Negeri Medan. The research employs a quantitative approach with a correlational research design. The sample consists of 50 students from the Economic Education Study Program, selected through questionnaire distribution using a Likert scale. Data analysis was conducted using simple linear regression with the assistance of IBM SPSS software. The findings indicate that digital financial literacy has a positive and statistically significant effect on the use of QRIS. This is supported by a correlation coefficient (R) of 0.654, which shows a moderately strong relationship, and a coefficient of determination (R²) of 0.428, indicating that 42.8% of the variation in QRIS usage can be explained by digital financial literacy. Furthermore, the t-test results show a significance value of less than 0.05, confirming the acceptance of the research hypothesis. This study demonstrates that higher levels of digital financial literacy among students are associated with increased use of QRIS for transactional activities. Therefore, promoting digital financial literacy is an important factor in encouraging the adoption of digital payment systems among students.