The Influence of Financial Literacy and Security Perceptions on the Use of QRIS as a Payment Tool by Students

Abstract

This study analyzes the influence of financial literacy and perceived security on the use of QRIS as a payment method among students of the Accounting Study Program at ITEBIS PGRI Dewantara Jombang. A quantitative research method with a descriptive approach was used, with a purposive sample of active students who had used QRIS (N = 93). Data were collected through a structured questionnaire and analyzed using multiple linear regression to test the hypothesized relationships between variables. The results show that financial literacy has a positive and significant effect on QRIS use, and perceived security also contributes significantly to driving QRIS adoption. Both variables jointly explain a meaningful proportion of the variance in QRIS use among accounting students. These findings indicate the importance of improving financial literacy education and strengthening the security aspects of digital transactions to increase QRIS use among students. Practical implications include recommendations for educational institutions and payment service providers to integrate educational programs and strengthen transaction security communication. Limitations of the study and suggestions for further research are also discussed.