Authors - Rashmi Shivanadhuni, Martha Sheshikala Abstract - The rapid expansion of QR-code payment systems has positioned QRIS as a key component of Indonesia’s national digital payment infrastructure. While prior studies have largely focused on initial adoption, limited empirical evidence explains the factors that sustain long-term usage of QR-code payments in mobile banking. This study investigates the determinants of sustained QRIS adoption by examining the roles of perceived usefulness, perceived ease of use, trust, and perceived security, with user satisfaction as a mediating variable. Using a quantitative approach, survey data were collected from QRIS users of mobile banking applications and analyzed using Structural Equation Modeling (SEM). The results indicate that perceived usefulness, trust, and perceived security significantly enhance user satisfaction, which in turn strongly predicts sustained adoption of QRIS in mobile banking. Perceived ease of use shows a weaker direct effect, suggesting that post-adoption behavior is driven more by value realization and trust than by usability alone. These findings contribute to ICT and fintech literature by highlighting user satisfaction as a critical post-adoption mechanism for sustaining engagement with national digital payment systems. Practically, the study offers insights for policymakers, banks, and system designers to strengthen the long-term viability of QR-based payment infrastructures through trust-building and value-enhancing strategies.
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