Analysis of Students' Perceptions of The Use of QRIS as A Digital Payment Method (A Study of Students in the Faculty of Islamic Economics and Business)
DOI:
https://doi.org/10.54065/jss.6.4.2026.1559Keywords:
Digital Payment, Interpretive Phenomenology, Islamic Economics, Lived Experience, QRISAbstract
The rapid adoption of digital payment technologies has transformed everyday financial transactions, particularly among university students who increasingly rely on mobile-based payment services. In Indonesia, the Quick Response Code Indonesian Standard (QRIS) has emerged as an important digital payment instrument because of its potential to facilitate practical, efficient, and integrated cashless transactions. However, differences in user experiences, technological accessibility, and transaction habits may influence students’ perceptions and experiences of QRIS. This study aims to explore and interpret the lived experiences of students at the Faculty of Islamic Economics and Business (FEBI) regarding the use of QRIS as a digital payment instrument, particularly its perceived benefits, ease of use, satisfaction, and challenges. The study employed a qualitative approach using an interpretive phenomenological approach, selected because the research focuses on how students experience QRIS in their everyday financial activities and interpret the meaning of those experiences rather than measuring predetermined technology-adoption variables. Data were collected through observation, in-depth interviews, and documentation involving three student informants selected based on their direct experience with QRIS. The findings indicate that participants generally experienced QRIS positively. QRIS was perceived as practical, easy to use, fast, efficient, and compatible with various digital payment platforms, including mobile banking and e-wallet applications. Transaction records were also perceived as useful for reviewing expenditures. Participants associated authentication procedures with a sense of security; however, this finding reflects perceived security rather than an objective assessment of QRIS security. Challenges included unstable internet connectivity, system or application disruptions, limited merchant availability, and continued preference for cash. The study concludes that participants experienced QRIS as a practical and flexible digital payment instrument, although its use remained dependent on digital infrastructure, merchant availability, system reliability, and individual payment habits.
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