Determinants Influencing the Intention to Use and Actual Use of Quick Response (QR) Payments in Sarawak

Abstract

The rapid adoption of Quick Response (QR) payment systems has revolutionized financial transactions, offering a seamless, secure, and contactless alternative to traditional payment methods. This study investigates the determinants influencing the intention to use and actual use of QR payments in Sarawak, focusing on key factors such as perceived usefulness, perceived ease of use, and perceived security. Utilizing the Technology Acceptance Model (TAM) as the theoretical framework, data were collected through a survey of 396 respondents familiar with QR payment systems in Sarawak. Structural Equation Modeling (SEM) using AMOS software was employed to test hypotheses and validate the proposed model. Results reveal that perceived security has the most significant impact on behavioral intention, followed by perceived ease of use and perceived usefulness. Furthermore, behavioral intention strongly predicts actual QR payment usage. These findings provide critical insights for policymakers, service providers, and financial institutions in promoting QR payment adoption by addressing security concerns and enhancing user-friendly system designs. This study contributes to advancing Malaysia’s digital transformation agenda and supports efforts to foster a cashless society. However, the regional focus on Sarawak presents limitations in generalizing the findings to other contexts, offering avenues for future research.