Pengaruh Perceived Risk Dan Trust Terhadap Keberlanjutan Penggunaan QRIS: Peran Mediasi Data Privacy Dalam Perspektif Ekonomi Islam
(Studi Pada Komunitas GenBI Provinsi Lampung)
DOI:
https://doi.org/10.32678/tsarwah.v10i2.12620Keywords:
QRIS, Perceived Risk, Trust, Data Privacy, Penggunaan BerkelanjutanAbstract
Perkembangan sistem pembayaran digital mendorong meningkatnya pemanfaatan Quick Response Code Indonesian Standard (QRIS) merupakan instrument pembayaran digital yang diimplementasikan sebagai bagian dari mekanisme transaksi nontunai di Indonesia. Penelitian ini diarahkan untuk mengkaji pengaruh perceived risk dan trust terhadap keberlanjutan penggunaan QRIS dengan data privacy sebagai variabel mediasi pada Komunitas Generasi Baru Indonesia (GenBI) Provinsi Lampung. Penelitian ini menerapkan pendekatan kuantitatif dengan teknik survei melalui distribusi kuesioner, yang selanjutnya dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) dengan bantuan perangkat lunak SmartPLS 4. Temuan penelitian mengindikasikan bahwa perceived risk dan trust tidak berpengaruh langsung secara signifikan terhadap keberlanjutan penggunaan QRIS. Sebaliknya, data privacy berpengaruh positif dan signifikan terhadap intensi penggunaan QRIS secara berkelanjutan. Kepercayaan pengguna berkontribusi positif terhadap persepsi privasi data, sedangkan perceived risk tidak menunjukkan pengaruh yang signifikan. Analisis mediasi mengindikasikan bahwa data privacy tidak memediasi hubungan antara perceived risk dan keberlanjutan penggunaan QRIS, namun memediasi secara signifikan hubungan antara trust dan keberlanjutan penggunaan QRIS. Dari perspektif ekonomi Syariah, hasil ini menegaskan bahwa prinsip amanah dan perlindungan harta menjadi dasar teoritis penting dalam memperkuat kepercayaan dan menjaga keberlanjutan sistem pembayaran digital berbasis nilai-nilai islam.
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