THE ROLE OF FINANCIAL LITERACY IN MEDIATION OF THE INFLUENCE ON QRIS USE INTENTIONS

Abstract

This study aims to analyze the role of financial literacy as a mediating variable in the relationship between financial behavior, business expectations, social influence, and trust on the intention to use QRIS (Quick Response Code Indonesian Standard). Using a quantitative approach with the Structural Equation Modeling (SEM) method based on Partial Least Squares (SmartPLS), data was collected through a closed questionnaire to respondents who were familiar with the use of QRIS. The results showed that financial literacy has a significant effect on the intention to use QRIS, and is able to mediate the influence of trust and financial behavior. In contrast, business expectations and social influence do not show a significant relationship with financial literacy. These findings confirm that financial literacy is a key factor in driving the adoption of digital payment systems in society, and an important basis for designing educational strategies and financial inclusion policies in the era of digital transformation.

Keywords: Financial Literacy, QRIS, Trust, Financial Behavior