THE EFFECT OF TRANSACTION EASE AND DIGITAL PAYMENT SYSTEM USING QRIS ON PURCHASING DECISIONS AT THE AL-AMIN BAKERY MSME

Abstract

The evolution of digital payment systems has prompted MSMEs to offer transaction methods that are practical, fast, and aligned with consumer needs. Transaction convenience and the use of QRIS are believed to influence purchasing decisions, yet the specific impact of each factor requires empirical verification. This study aims to analyze the influence of transaction convenience and the QRIS-based digital payment system on purchasing decisions at the Al-Amin Bakery MSME. A quantitative, associative research approach was employed, involving 90 respondents selected via purposive sampling from a total population of 864 consumers. Data were collected using Likert-scale questionnaires and analyzed through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, the coefficient of determination, t-tests, and F-tests using SPSS version 26. The results indicate that transaction convenience has a positive and significant effect on purchasing decisions, whereas the QRIS-based digital payment system does not have a significant effect. However, when considered together, transaction convenience and the QRIS-based digital payment system exert a significant influence on purchasing decisions. These findings suggest that transaction convenience plays a more pivotal role in driving purchasing decisions than the use of the QRIS-based digital payment system.