Analysis Of Qris Potential in Mobile Banking to Support Financial Inclusion in The Face of The Post-Pandemic Covid-19 Crisis: A UTAUT2 Model Approach

Musyaropah Musyaropah; Sugianto Sugianto; Muhayyijah Fil Qurbah  Shoolihah

doi:10.70742/arsos.v2i2.366

Authors

Musyaropah Musyaropah Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Sugianto Sugianto Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Muhayyijah Fil Qurbah Shoolihah Universitas Islam Negeri Sunan Kalijaga Yogyakarta

DOI:

https://doi.org/10.70742/arsos.v2i2.366

Keywords:

QRIS, Islamic Banking, ; Mobile Banking, Financial Inclusion, UTAUT2

Abstract

This study investigates the factors that influence the implementation of QRIS in Islamic bank mobile banking services in the post-COVID-19 context. Guided by the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2), the research emphasizes the dynamics of Islamic finance and aims to identify aspects requiring further development in QRIS M-Banking. A total of 500 individual customers of Islamic banks who actively use mobile banking services across Indonesia participated in the study. The research employed a quantitative method with purposive sampling. Data were collected through a combination of open- and close-ended questionnaires and analyzed using SPSS 26. The results reveal that Social Influence, Facilitating Conditions, Hedonic Motivation, and Habit significantly affect Behavioral Intention to use QRIS M-Banking, while Performance Expectancy, Effort Expectancy, and Trust show no significant influence. These findings underline the importance of strengthening social and environmental support, improving system infrastructure, and enhancing features that encourage positive user habits and enjoyment in financial transactions. This study contributes theoretically by extending the application of UTAUT2 within the context of Islamic banking and post-pandemic financial behavior. Practically, it provides insights for Islamic banks to design strategies that foster higher QRIS adoption rates, while also offering recommendations for policymakers to strengthen digital financial inclusion and promote sharia-compliant payment systems.

Downloads

Download data is not yet available.

References

Alalwan, A.A., Dwivedi, Y.K., Rana, N.P., & Algharabat, R. (2017). Examining factors influencing Jordanian customers' intention to adopt mobile banking using the unified theory of acceptance and use of technology (UTAUT). Journal of Retailing and Consumer Services , 35, 133-148.

Amin, M., Nordin, N., & Kadir, A. (2020). "Mobile Banking Adoption and Financial Inclusion: A Study of Rural Areas in Indonesia." Journal of Financial Services Marketing , 25(1), 14-24.

Amir, MK Bin, & Bin Amir, MZ (2020). COVID-19 Pandemic: Socio-Economic Response, Recovery and Reconstruction Policies on Major Global Sectors. SSRN Electronic Journal , 9(88), 1–27. https://doi.org/10.2139/ssrn.3629670 .

Awwal, MA (2018). Sharia Economics Edugame (SEE): “Alternatives for developing an understanding of Islamic financial literacy”. Journal of Religious and Community Studies , 14(1).

Baptista, G., & Oliveira, T. (2017). Why so serious? Gamification impact in the acceptance of mobile banking services. Internet Research , 27(1), 118–139.

Barnes, S., & Corbitt, B. (2003). Mobile banking: Concepts and potential. International Journal of Mobile Communications , 1(3), 273–288.

Dahlan, M., & Hasan, A. (2022). "The Role of Mobile Banking in Enhancing Financial Inclusion: Evidence from Indonesia." International Journal of Banking, Accounting and Finance , 13(2), 145-161.

Datta, P., & Nwankpa, J.K. (2021). Digital transformation and continuity planning for the COVID-19 crisis. Journal of Information Technology Teaching Cases , 1–9. https://doi.org/10.1177/2043886921994821 .

Deb, M., & Lomo-David, E. (2014). An empirical examination of m-banking adoption by customers in India. Marketing Intelligence & Planning , 32(4), 475–494.

Donthu, N., Satish. K., Debmalya. M., Nitesh. P., & Weng. M.L. (2021). How to perform bibiliometric analysis: An overview and guidelines. Journal of Business Research . 285-296. https://doi.org/10.1016/j.jbusres.2021.04.070 .

Ernawati, W., (2021). Optimization of Digital-Based MSME E-Commerce: Challenges and Opportunities in the New Normal Era of the Covid-19 Pandemic. Social Science Journal for Advanced Research , 1(3), 1-9. DOI: 10.54741/ssjar.1.3.1.

Ghazali, I. (2009). Multivariate Analysis Application with SPSS Program . Semarang: Diponegoro University Publishing Agency.

Hadi, S., & Novi, N. (2015). Factors Influencing the Use of Mobile Banking Services. Optimum: Journal of Economics and Development , 5(1), 55. https://doi.org/10.12928/optimum.v5i1.7840 .

Hanafizadeh, P., Behboudi, M., Koshksaray, A. A., & Tabar, M. J. S. (2014). Mobile-banking adoption by Iranian bank clients. Telematics and Informatics , 31(1), 62–78.

Huda, S., Nurdin, A., & Rahman, F. (2023). "Exploring Security Features of Mobile Banking: A Study on User Trust and Adoption." Journal of Financial Technologies , 4(1), 67-82.

Johns Hopkins University. (2021). Mapa COVID-19 - Center for recursos de coronavirus de Johns Hopkins. Retrieved April 24, 2021, from Johns Hopkins UNIVERSITY website: https://coronavirus.jhu.edu/map.html .

Ministry of Health of the Republic of Indonesia. (2020). KMK No. HK.01.07-MENKES-413-2020 concerning Guidelines for the Prevention and Control of COVID-19.

Makanyeza, C. (2017). Determinants of consumers' intention to adopt mobile banking services in Zimbabwe. International Journal of Bank Marketing , 35(6), 997–1017. https://doi.org/10.1108/IJBM-07-2016-0099 .

Nawaz, SS, Hilmy, HMA, & Gunapalan, S. (2020). Intention of Islamic banking customers to use mobile banking services: A study in Sri Lanka. Journal of Advanced Research in Dynamical and Control Systems , 12(2), 1610–1626. https://doi.org/10.5373/JARDCS/V12I2/S20201200 .

Owusu Kwateng, K., Atiemo, KAO, & C. Appiah. (2019). Acceptance and use of mobile banking: An application of UTAUT2. Journal of Enterprise Information Management , 32, 118–152. https://doi.org/https://doi.org/10.1108/JEIM-03-2018-0055 .

Raza, S.A., & Iman, N. (2021). "Adoption of Mobile Banking: The Influence of Technology Acceptance Model." Global Business Review , 22(3), 630-644.

Sahay, R., Allmen, Ulric Eriksson von Lahreche, A., Khera, P., Ogawa, S., Bazarbash, M., & Beaton, K. (2020). The Promise of Fintech; Financial Inclusion in the Post-COVID-19 Era. IMF Department Paper / Policy Paper of the International Monetary Fund, 83. Retrieved from https://econpapers.repec.org/paper/imfimfdps/2020_2f009.htm%0D .

Sankaran, R., & Chakraborty, S. (2020). Why do customers make mobile payments? Applying a means-end chain approach. Marketing Intelligence & Planning . https://doi.org/https://doi.org/10.1108/ .

Sankaran, Raja, & Chakraborty, S. (2021). Factors Influencing Mobile Banking in India: An Empirical Approach Extending UTAUT2 with Perceived Value and Trust. IIM Kozhikode Society & Management Review , 1–18. https://doi.org/10.1177/2320206820975219 .

Seeger, M.W., Sellnow, T.L., & Ulmer, R.R. (1998). Communication, Organizations, and Crisis. Annals of the International Communication Association . https://doi.org/10.1080/23808985.1998.11678952 .

Shareef, M.A., Baabdullah, A., Dutta, S., Kumar, V., & Dwivedi, Y.K. (2018). Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages . Journal of Retailing and Consumer , 43, 54–67.

Silpa, H. (2020). The Impact of Covid-19 on the Indonesian Economy. EduPsyCouns Journal , 2(1), 146–153. Retrieved from https://ummaspul.e - journal.id/Edupsycouns/article/view/423 .

Sugiyono. (2015). Mixed Methods Research Methods . Bandung: ALFABETA.

Suryadi, A., & Rahman, A. (2021). "Factors Influencing the Adoption of Mobile Banking: Evidence from Indonesia." Asian Journal of Business and Management , 9(3), 152-163.

Umar, H. (2005). Marketing Strategy Research . Jakarta: Gramedia Pustaka Utama.

Venkatesh, V., Thong, J.Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending a unified theory of technology acceptance and use. MIS quarterly, 36(1), 157-178.

Venkatesh, V. (2016). An Integrated Theory of Technology Acceptance and Use: A Synthesis and a Way Forward. Journal of the Association for Information Systems , 17(5), 328–376.