Factors Influencing Consumer Payment via QR Code Across Different Age Groups

Abstract

This study aims to (1) examine the payment behavior through QR Code systems across different age groups and (2) analyze the factors influencing such behavior among each age group. The target group includes individuals who have previously used QR Code payment services. A quantitative approach was used, with data collected from users experienced in QR Code payments via questionnaires. Analysis included demographic and marketing mix factors, using descriptive statistics and Chi-square tests. The findings reveal that QR Code usage behavior differs by age. The working-age group (23–60 years) is the main user segment, driven by convenience, speed, and peer influence. Students (3–22 years) are influenced by peers and interested in promotions, while retirees (60+) are limited by concerns over security and complexity. Key influencing factors include occupation, income, reference persons, and internal motivation, with usability and system design also playing significant roles. It is recommended that banks improve QR Code payment systems by enhancing speed, simplicity, and security to serve working-age users, encourage older users, and attract students through promotional campaigns.