Towards a cashless society: examining the adoption of QR mobile payments among university students

In line with the increasing spread of smartphones and the internet, there is a growing trend towards cashless payment via smartphone or mobile payment systems. Electronic payments are gradually replacing traditional cash-based payment methods. Malaysia is among the many nations that have recently started to pay greater attention to quick response (QR) mobile payments. Therefore, the purpose of this research is to examine the factors influencing UMK students’ intention to use quick response (QR) mobile payment in Pengkalan Chepa. This study will identify the relationship between the independent variables and dependent variables, namely perceived usefulness, perceived ease of use, personal innovativeness, and perceived security, with the relationship of intention to use QR mobile payment. By using quantitative methodology as the main research instrument of the study, data will be collected through a questionnaire containing five-point Likert scale questions. A total of 400 questionnaires were collected. The quantitative data collected is processed using the SPSS data analysis method. Reliability and validity tests, a descriptive analysis, and a Spearman correlation analysis were performed using the SPSS tools. The result shows the significant relationship between perceived usefulness, perceived ease of use, personal innovativeness, and perceived security with the intention to use QR mobile payment. In conclusion, the results of this study demonstrate that perceived usefulness, perceived ease of use, personal innovativeness, and perceived security significantly influence the intention to use QR mobile payments among university students