Acceptance of QR code in generation Y

 The term "digital payment" is frequently used to refer to a consumer who uses
mobile payment systems to initiate and activate their mobile phone in order to
complete transactions involving the purchase of goods and services. It is
thought that the buyer and the merchants' payments and transactions are
completed quickly and simply.
 Additionally, payments can be done whenever and whenever, using simply a
mobile device. Digital payment is also taking place in Indonesia, where the
country's numerous tech-savvy consumers are supporting the country's
transition to a cashless society. The development of digital payment methods
in Indonesia is reportedly making the country more confident in going
completely cashless.
 To that extent, the ongoing fall in cash transaction volume. Due to the large
number of tech-savy Indian consumers, mobile payment systems are evolving
to support the future of a cashless society. The major players in mobile
payments, such as G-Pay, Phone Pay, Paytm, Bhim Upi, etc., started to
broaden their target market network by integrating the QR Code capability to
conduct transactions at brick-and-mortar stores.
 Because the incentive can only be gained by making offline purchases at a
number of linked shops, consumers are more inclined to embrace the QR
Code when cashback transactions are offered. The goal of this study is to
discover the variables that can affect behavioural intent and actual use of the
QR Code feature in mobile payments to complete transactions at brick-and-
mortar stores.
 In addition, starting with generation Y in India, this study will determine the
degree to which actual use of the QR Code function can support the National
Non-Cash Movement. With nine independent variables—Performance
Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions,
Hedonic Motivation, Price Value, Habit, Trust, and Perceived Risk—this
study will be done using Extended UTAUT2 (PR).
 These variables' effects on Behavioral Intention and Actual Use will be
evaluated. The findings suggest that habit is the most important factor
affecting behavioural intention. The others, including Actual Usage,
Behavioral Intention, Facilitating Conditions, Hedonic Motivation, and
Performance Expectancy, have an impact on both of these.
 The use of the QR Code is regarded as new technology in India. Therefore,
this study focuses on generation Y in India, which was born into a world of
technological development. The largest human population group and age
range in the world now is Generation Y.
 People who belong to Generation Y were born between the middle of the
1990s and the current year. In addition, according to a survey, generation Y is
leading with their usage of mobile payment to complete transactions at 53%
 compared to other generations. This generation is known for being the most
tech-savvy, easy to consume online products, and having more convenient
access to electronic devices.
 However, not every community has already adjusted to the situation, and
many still doubt the idea and operation of the digital wallet completely.
Additionally, despite the fact that there have been numerous studies on the
adoption of digital payments, mobile payments, and mobile banking, no
research has ever been done on the use of the QR Code feature on mobile
payments when conducting offline merchant transactions, particularly to
assess the generation Y in INDIA.
 The Extended UTAUT2 model will be used in this study to examine the
factors that influence consumer intention to utilise mobile payments and
behaviour to adopt technology models. Mobile payments are described as a
method of transferring money to pay for goods or services using portable
electronic devices like tablets or mobile phones.
 According to, mobile payments can be made via a mobile phone to offline or
internet retailers. The QR Code function is one form of mobile payment tool
that is available. The future of cashless transactions in the digital era is being
built around the QR Code payment system, which is currently accepted by
retailers all over the world. There are no compelling reasons to issue physical
cards, tokens, or electronic data capture, so QR Code offers consumers and
businesses a convenient and economical payment option.
 Performance expectancy is the extent to which people think utilising
technology will help them accomplish their tasks more effectively. People
believe that employing technology to make payments will improve their
performance while making these kinds of purchases in the context of mobile
payments. Consumers' behavioural intentions to utilise QR Codes in mobile
payments to complete transactions with offline retailers are positively
influenced by performance expectations. Effort expectation is described as the
level of comfort associated with using a particular technology.
 This element explains why people find some types of mobile payment to be
simple to use and free of effort in the context of mobile payments.
Consumers' behavioural intentions to use QR Codes for mobile payments are
positively influenced by effort expectations when it comes to offline
merchant. Price value shows how a person views technology based on its cost
and utility, both of which have a big influence on how people utilise it.
 When it comes to using mobile payment, the pricing value will be favourable
if the user determines that using a particular technology at a given price will
benefit them in proportion to the costs charged for it. The addition of this
concept will serve as a predictor of technological use behaviour. Consumers'
behavioural intentions to utilise QR Codes in mobile payments to complete
transactions with offline retailers are positively influenced by price value.
 Habit is a situation in which a person instinctively uses technology and
engages in certain behaviours. Additionally, it is related to experience, where
experience is the accumulation of. Different levels of habit can develop over
time, or to put it another way, experiences can show the effects of habits.
 When someone has a tendency to act in a certain way toward technology over
a set length of time, it creates a personal habit of acting in that way. As a
result, habit ties to the following two variables.
 Trust is a personal conviction or expectation of a person that other parties will
live up to the expectation and not act opportunistically in a circumstance,
particularly in the realm of financial transactions. Because mobile payment
involves financial transactions with technological devices, trust is regarded as
being extremely pertinent to its environment. Mobile payment systems are
tied to their novelty, complex environment, and engagement of its mobile
network operators, among other factors. This study will expand to the model
of UTAUT2 and include trust as the variables because it has been determined
that trust is significant to behavioural intention. When a person's conduct
influences how they actually utilise technology, this is called behavioural
intention. According to a number of studies, behavioural intention has a big
impact on how people actually utilise technology. As a result, this study will
construct the following behavioural intention hypothesis in light of the earlier
study. Consumers' behavioural intentions have a beneficial impact on their
acceptance of using QR Codes for mobile payments in brick-and-mortar
stores.