Pengaruh Penggunaan BSG QRIS terhadap Perilaku Transaksi Non-Tunai pada Nasabah Bank SulutGo

Abstract

This study aims to analyze the effect of BSG QRIS usage on the cashless transaction behavior of customers at Bank SulutGo, Gorontalo Branch. A quantitative research approach was employed, using primary data collected through questionnaires distributed to the respondents. The research instrument was measured using a Likert scale to assess customers’ use of BSG QRIS and their cashless transaction behavior. The sample was selected using purposive sampling, involving 40 respondents who were customers of Bank SulutGo, Gorontalo Branch, and users of BSG QRIS. The collected data were analyzed using simple linear regression with the assistance of SPSS version 25. The results demonstrate that BSG QRIS usage has a positive and significant effect on customers’ cashless transaction behavior. This finding is supported by a regression coefficient of 0.436 and a significance value of 0.002, which is lower than the 0.05 significance level. Furthermore, the Adjusted R Square value of 22.7% indicates that BSG QRIS usage explains 22.7% of the variation in customers’ cashless transaction behavior, while the remaining 77.3% is attributable to other factors outside the research model. These findings suggest that greater utilization of BSG QRIS can encourage customers to adopt more convenient and cashless transaction practices in their daily financial activities.