Abstract

The payment sector is the most prominent financial technology in Indonesia. The widespread use of digital payments give rise to more than 48 licensed e-wallet systems in Indonesia and lead Bank Indonesia to developed QRIS. QRIS displays a QR code that can be used by various Payment System Service Providers. However, it was found that the use of QRIS has not been fully accepted. There are still users who have not used QRIS. These include not knowing the process, lack of confidence in the security of transactions, feeling more comfortable and easier to use cash, and because the infrastructure and environment do not support it. The research was conducted through a questionnaire with a purposive sampling method, to see whether there is a demographic correlation with the level of QRIS adoption and create user segmentation based on technology acceptance factors (performance expectancy, effort expectancy, social influence, facilitating conditions, perceived trust, and attitude). The procedure was carried out using CFA analysis, cluster analysis, and chi-square test. By carrying out segmentation, it is hoped that it will provide an overview of QRIS users based on age, gender, income, occupation, and level of education for QRIS applications in Indonesia.