Literacy Analysis of Consumer Interest in Using Quick Response Code Indonesian Standard (QRIS) at Islamic Banks


  • Hidayatul Fitriani Institut Agama Islam Negeri (IAIN) Langsa, Indonesia
  • Rafiza Zuliani Institut Agama Islam Negeri (IAIN) Langsa, Indonesia
  • Tajul 'Ula Institut Agama Islam Negeri (IAIN) Langsa, Indonesia



QRIS, Digital Finance, Consumer Interest, Digital Financial Literacy


Purposes: The use of QRIS in sharia banking is still minimally used by the public. This is caused by low literacy in sharia financial digitalization.

Methods: This research used a literacy theory approach and the Technology Acceptance Model (TAM) in analyzing people's interest in using QRIS. Primary and secondary data using questionnaires were used in this research involving 32 respondents taken at random. The data analysis model used in this research is one of the models in multivariate analysis, namely the Structural Equation Model- Partial Least Square (SEM-PLS) model. The variables analyzed in this research are Perception of Usefulness, Perception of User Ease, Perception of Web Security, Digital Sharia Financial Literacy and Interest in using QRIS.

Result: The research results show that the digital literacy variable of sharia finance influences interest. This means that the minimal use of QRIS in Sharia Banks is caused by low digital literacy in Sharia finance.

Originality/Novelty: Interest in using QRIS in Sharia Banks is considered very important to analyze, because the results of this analysis will be used by researchers to determine the response to a new system or technology, therefore it is necessary to analyze interest in using QRIS in Sharia Banks. To measure interest in using new technology