Year: 2025 | Month: June | Volume: 12 | Issue: 6 | Pages: 607-613
DOI: https://doi.org/10.52403/ijrr.20250668
Factors Influencing QRIS-Based Digital Wallet Use Among Generation X in Indonesia: A Literature-Based Model Development
Dhena Kamalia F.1, Yunila Dwi Putri Ariyanti2
1,2Department of Informatics, Diponegoro University, Semarang, Indonesia.
Corresponding Author: Yunila Dwi Putri Ariyanti
ABSTRACT
This study aims to identify the key factors influencing the adoption of QRIS-based digital payment systems among Generation X in Indonesia. While younger generations such as Millennials and Gen Z have rapidly embraced QRIS due to high digital literacy and lifestyle compatibility, Generation X continues to exhibit lower adoption rates. Employing a Systematic Literature Review (SLR) approach based on Kitchenham’s (2015) protocol, this research synthesizes findings from 16 Scopus-indexed articles published between 2020 and 2025. The conceptual model developed highlights five primary determinants: performance expectancy, effort expectancy, social influence, facilitating conditions, and perceived security, with trust serving as a mediating variable. These constructs were framed within a modified Unified Theory of Acceptance and Use of Technology (UTAUT) model tailored to the behavioral and psychological characteristics of Generation X. The results emphasize the critical role of trust, usability, and infrastructural support in shaping QRIS adoption behavior among older users.
Keywords: QRIS adoption; Generation X; UTAUT; systematic literature review; Indonesia.
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