EVALUATING USER ADOPTION OF QRIS AS A GATE IN THE PAYMENT SYSTEM IN JAKARTA MRT

Abstract

This study evaluates the user adoption and perceived usability of the QRIS payment system when implemented as a gate in method for Jakarta MRT. The research adopts a modified UTAUT2 framework that incorporates additional constructs of Trust and Convenience, with Usability Perception as the final outcome variable. A structured online survey was distributed to MRT passengers, and the data were analyzed using the SEM-PLS technique. The model demonstrates a high explanatory power, with the constructs collectively explaining 82.3 percent of the variance in Behavioral Intention to Adopt and 50.7 percent of the variance in Usability Perception. The results reveal that Facilitating Conditions serve as the most influential determinant of users intention to adopt QRIS, followed by Trust, Convenience, and Social Influence. Performance Expectancy and Effort Expectancy also show positive but relatively smaller effects. Furthermore, Behavioral Intention strongly contributes to the perception of usability, indicating that users who are more willing to adopt the QRIS gate in system tend to perceive it as more practical and efficient. These findings highlight the crucial roles of infrastructure readiness and user trust in driving the acceptance of QR-based gate in payments in public transportation. Practical implications are offered for operators and regulators to improve service reliability, user trust, and system integration as Indonesia advances toward a fully digital transportation ecosystem.