# Utilizing the UTAUT-3 Model to Analyze Millennials' Adoption of QRIS Financial Transaction Technology in Indonesia: The Moderating Role of Experience and Lifestyle
> Sariani

URL kanonis: https://discover.unhas.ac.id/publications/pub_scopus_105037971350
Jurnal / Konferensi: Wseas Transactions on Systems
Tahun terbit: 2026
DOI: https://doi.org/10.37394/23202.2026.25.21
ISSN: 11092777
Kuartil SJR: Q4
Citations: 0

## Authors
- Sariani

## Abstract
The purpose of this research is to determine whether Indonesian millennials' experiences and their lifestyle regarding FinTech influences the acceptance of QRIS. This study applies the UTAUT-3 model to examine how the moderating variables may affect millennials' behavioral intentions and use behaviors toward QRIS. Quantitative methods are employed in this study; 200 samples of millennials in Makassar, South Sulawesi, Indonesia, were collected and analyzed using SEM-PLS. The findings show that performance expectancy, effort expectancy, social influence, hedonic motivation, price value, and technology readiness significantly affect behavioral intention (p < 0.05). Similarly, facilitating conditions, habit, technology readiness, and security and privacy significantly affect use behavior (p < 0.05). However, habit, regulation and policy, and security and privacy did not significantly impact behavioral intention (p ≥ 0.05).

## Keywords
- Affect (linguistics)
- Database transaction
- Business
- FinTech
- Technology acceptance model
- Marketing
- Theory of planned behavior
- Moderation
- Psychology
- Social influence
- Indonesian
- Social security
- Financial transaction
- Structural equation modeling
- Information technology
- Consumption (sociology)
- Transaction cost
- Behavioral modeling
- Behavioral economics
- Social psychology

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Sumber: Discover Unhas — RIMS Universitas Hasanuddin.
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