PERCEIVED RINGGIT CASH DEMAND AMID QRIS CROSS-BORDER IMPLEMENTATION: THE ROLES OF CASH CONVENIENCE, TRUST, AND HABIT
DOI:
https://doi.org/10.36085/jam-ekis.v9i3.11576Abstract
Cross-border QRIS offers a digital payment option for travelers to Malaysia, but perceived need for Ringgit cash may persist. This cross-sectional study examines the associations of cash-use convenience, trust in QRIS Cross Border, and cash-use habit with self-reported tendency to exchange, carry, and use Malaysian Ringgit among 161 residents of West Sumatra who had visited or intended to visit Malaysia. Partial least squares structural equation modeling (PLS-SEM) indicated positive paths from cash convenience to habit (β = 0.790, p < 0.001) and perceived Ringgit demand (β = 0.534, p < 0.001), and from habit to perceived demand (β = 0.336, p < 0.001). Trust showed no statistically significant direct association with perceived demand (β = 0.006, p = 0.914) or habit (β = 0.116, p = 0.111). The reported model explained 64.2% of the variance in habit and 68.2% in perceived demand. These are observational associations, not evidence that QRIS use increased, reduced, or complemented actual cash purchases. Traveler experience status, measurement details, and full model diagnostics warrant further verification
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