THE INFLUENCE OF LIFESTYLE, EWOM, CASHLESS SOCIETY, AND ATTITUDE TOWARDS THE USE OF QRIS INFORMATION TECHNOLOGY

Abstract

This research aims to examine the effect of lifestyle, electronic word of mouth, cashless society, and behavior on the use of QRIS information technology, based on Theory of Planned Behavior and Consumer Behavior Theory. This research applies explanatory method that explains the causal relationship among its variables through hypothesis testing. The samples include 365 undergraduate students of the Faculty of Economics and Business of Universitas Brawijaya class of 2020 to 2022, selected through non-probability sampling techniques. Data are collected through questionnaires, and analyzed by Partial Least Square processed by using SmartPLS software. The results of this research exhibit that lifestyle, electronic word of mouth, cashless society, and behavior affect the use of QRIS information technology. The implications of this research contribute to the literature by confirming existing theories: Theory of Planned Behavior and consumer behavior theory. Furthermore, this research provides innovation in the development of QRIS information technology for Bank Indonesia as the provider of QRIS technology.