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Journal articles on the topic 'QRIS payment systems'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Aulia Syahda, Diva Nurul Aida, Wahyu Hidayat, and Zaini Ibrahim. "Analisis Perbandingan Pembayaran Tunai dan QRIS Dalam Melakukan Transaksi Dikalangan Mahasiswa Serang Banten." MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi 2, no. 4 (2024): 255–64. http://dx.doi.org/10.61132/menawan.v2i4.731.

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Before the development of science and technology, the payment system in Indonesia was only done using cash. Money is used to make daily human payments as a medium of exchange. Cash payment instruments are regulated in Law Number 7 of 2011 concerning Currency. But along with the development of science and technology, payment instruments have been more widely used. This progress comes in the form of digital payment instruments. QRIS is one of the digital payments available today. QRIS stands for Indonesian Quick Response Code Standard launched by Bank Indonesia. When making payments through QRIS

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Munawwarah, Siti, Zariatul Khisan, Desi Erawati, and Nor Halisa. "The Progressivity of the Qris Payment System in the Community." Transformatif 9, no. 1 (2025): 28–39. https://doi.org/10.23971/tf.v9i1.9332.

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The COVID-19 pandemic is a social change where people are forced to adapt, one of which is in the payment system. Bank Indonesia has established one of the digital payment systems, namely QRIS (Quick Response Code Indonesia Standard), to facilitate transaction payments easily, quickly, and securely. This study aims to measure the extent of the use of QRIS payments in the community. This research method uses qualitative research with data collection through a literature review associated with Talcott Parsons' theory. The results of this study show that the role of using the QRIS payment system

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Muhammad Farras Nasrida and Melya Nanda. "Analisis Perkembangan Pembayaran Sistem Non Tunai Di Era 4.0 (QRIS) Di Kota Palangka Raya." Dharma Ekonomi 30, no. 1 (2023): 07–15. http://dx.doi.org/10.59725/de.v30i1.67.

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This istudy aimsi to analyze thei development of the usei of a non-cashi payment systemi using QRIS in thei City of Palangka Raya ini the erai of theiindustrial 4.0. Theimethod usediis aisurvey through questionnaires to users and merchants who use QRIS as a payment system. Thei collected datai were analyzedi using descriptiveistatistical techniquesiand factorianalysis toiidentify theifactorsithat influenceithe useiof QRISiin Palangkai RayaiCity. The results of the study show that the use of QRIS in Palangka Raya City has experienced significant developments in the last two years. Factorsithat

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Mar’atun Sa’diah. "Perception of Merchants and Consumers Towards Payments Using Qris for UMKM in Mataram." JURNAL PENDIDIKAN IPS 14, no. 2 (2024): 433–40. https://doi.org/10.37630/jpi.v14i2.2185.

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The number of QRIS users in West Nusa Tenggara (NTB) has reached 475 thousand, with Mataram City as the region with the largest number of merchants, namely 87,593 merchants. With QRIS, merchants no longer need to provide many QR Codes to serve buyers because with 1 QR Code with the QRIS logo you can read all non-cash payment applications, to simplify QR Code-based non-cash payments. In the era of the Industrial Revolution 4.0, MSMEs must switch to digital so as not to be left behind in terms of payment systems. This research aims to find out, first, the history of Bank Indonesia launching QRIS

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HS, Rusminah, Hilmiati Hilmiati, M. Ilhamudin, and Sulastri Sulastri. "Analisis Perceived Risk Dan Trust Terhadap Keputusan Penggunaan Quick Response Indonesia Standar (QRIS)." JURNAL SOSIAL EKONOMI DAN HUMANIORA 10, no. 4 (2024): 717–24. https://doi.org/10.29303/jseh.v10i4.716.

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The development and increasing penetration of the internet have driven significant changes in Indonesia's business landscape, particularly in digital payment patterns. One innovation in digital payment systems is the Quick Response Indonesia Standard (QRIS), which standardizes non-cash payments using QR Codes. This study aims to examine the influence of Perceived Risk and Trust on the decision to use QRIS in Mataram City. This associative study targets residents of Mataram City who use QRIS as a non-cash payment method. A total of 100 respondents were selected through purposive sampling. Data

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Kristanty, Desy Natalia. "Tren dan Tantangan Keamanan Bertransaksi dengan Qris dalam Era Transformasi Sistem Pembayaran Digital." Jurnal Syntax Admiration 5, no. 10 (2024): 3923–33. http://dx.doi.org/10.46799/jsa.v5i10.1538.

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In the current era of digital payment system transformation, the use of Quick Response Code Indonesian Standard (QRIS) has become one of the main trends in the ease of financial transactions. This research aims to explore the trends and challenges faced in transaction security using QRIS. This study uses qualitative research methods and analyzes literature, identifying various aspects of the use of QRIS, including its advantages in imitating digital payment systems. The results of the study show that by implementing advanced data encryption and transaction authentication, QRIS has significantl

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Amanda, Feby Aulia, and Khairina Tambunan. "Analisis Strategi BSI Kcp Stabat Proklamasi dalam Meningkatkan Minat Nasabah Menggunakan Pembayaran Berbasis Qris." Regress: Journal of Economics & Management 2, no. 1 (2022): 91–98. http://dx.doi.org/10.57251/reg.v2i1.278.

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Bank Syariah Indonesia KCP Stabat Proclamation has various payment systems, one of which is the QRIS payment system. QRIS means the payment system uses the QR Code method belonging to Bank Syariah Indonesia whose payment uses a barcode scan owned by Bank Syariah Indonesia. After 2020, due to regulations from Bank Indonesia (BI) regarding Queck Response Code Indonesia (QRIS), which is the standardization of payments using the QR Code method, it becomes easier, faster and maintains security for banking or Islamic banking & E-Commerce in Indonesia. QRIS at Bank Syariah Indonesia, which is one

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8

Iswardhana, Muhammad Ridha. "Analysis of U.S. Unilateral Tariff and Hegemonic Dominance over QRIS Indonesia." Jurnal Ilmiah Muqoddimah : Jurnal Ilmu Sosial, Politik, dan Humaniora 9, no. 2 (2025): 1201. https://doi.org/10.31604/jim.v9i2.2025.1201-1210.

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This research examines the unilateral tariff imposed by President Donald Trump on Indonesia, focusing on the implementation of the Quick Response Code Indonesian Standard (QRIS) payment system. These tariff are part of the U.S. strategy to maintain its global economic dominance, particularly in the international payment sector, traditionally controlled by U.S. companies like Visa and Mastercard. QRIS, introduced by Bank Indonesia, has rapidly expanded in Indonesia and Southeast Asia, highlighting the progress of developing nations in creating more efficient and inclusive payment systems. Using

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Siti Aisyah, Nia Andriani, Niken Rahmadyah, Deby Novriansyah, Amelia Putri, and Elsa Mayori. "Implementasi Teknologi Financial Dalam Qris Sebagai Sistem Pembayaran Digital Pada Sektor Umkm Di Kota Binjai." Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) 3, no. 1 (2023): 12–18. http://dx.doi.org/10.55606/jpkmi.v3i1.925.

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Increasing, resulting in several changes fo;;owed by technological devlopments in the industrial revolution. One form of progress in internet technology is the use of financial technology in payment systems where payment transaction methods are facilitated by the phenomenon of a cashless society or payments using electronic money. MSMEs also experience this impact which emphasizes the importance of internet use. QRIS is the latest innovation in digital payments, namely the Quick Response Code Indonesian standard. QRIS, which was intiated by Bank Indonesia, provides convenience intransactions a

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Wijayanto, Edi, Dina Yeni Martia, Nurseto Adhi, and Rikawati Rikawati. "Application of the TAM Model and Financial Literacy on Interest in QRIS Digital Payments (Study on Semarang State Polytechnic Students)." Formosa Journal of Science and Technology 3, no. 1 (2024): 165–76. http://dx.doi.org/10.55927/fjst.v3i1.7499.

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With the rapid development of digital technology, especially in the payment field, digital payment services using QR codes are becoming more popular. The Quick Response Code Indonesia Standard (QRIS), introduced by Bank Indonesia and the Association of Indonesian Payment Systems (ASPI) on August 17, 2019, will serve as the national QR code standard and facilitate payments across Indonesia. QRIS allows you to apply for payments to a variety of institutions, bank or non-bank. This study involved 370 of his students from a population of 6,128, used structural equation modeling (SEM) for analysis,

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Putri Metri, Dona. "Advancing Msmes Through Global Integration and Cross-Border Connectivity: Opportunities for Qris-Based Payment Code Development." Edunity Kajian Ilmu Sosial dan Pendidikan 3, no. 1 (2024): 113–25. http://dx.doi.org/10.57096/edunity.v3i1.221.

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Indonesia's rapid economic development in the digital era has witnessed a significant shift from traditional cash-based public payments to digital systems. Digital payments offer enhanced convenience, efficiency, security, and user-friendliness. Among these digital payment methods, QR Codes have emerged as a crucial solution, particularly during the COVID-19 pandemic, which led to a slump in the Indonesian economy due to social distancing measures. The adoption of the Quick Response Indonesian Standard (QRIS) as a cashless payment method by most Micro, Small, and Medium Enterprises (MSMEs) in

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Zalukhu, Sukmardin, and Arny Lattu. "The Influence of Using the QRIS Digital Payment Method on Customer Purchasing Decisions." Jurnal Ilmiah Manajemen Kesatuan 13, no. 1 (2025): 445–54. https://doi.org/10.37641/jimkes.v13i1.3064.

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The development of digital technology has brought significant changes across various sectors, including payment systems. The Quick Response Code Indonesia Standard (QRIS) is one of the key innovations in digital payment systems developed by Bank Indonesia and the Indonesian Payment System Association. This study aims to analyze the impact of using the digital payment method QRIS on consumer purchasing decisions in Sukabumi City using the Technology Acceptance Model (TAM) approach. The variables studied include perceived usefulness, user attitude, and intention to use, measured through an onlin

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13

Rahmadhani, Vina, and Yuniarti. "Tanggung Gugat Penyelenggara Jasa Pembayaran Sektor Perbankan Dalam Transaksi Menggunakan QR Code Indonesian Standard (QRIS)." Jurist-Diction 6, no. 4 (2023): 781–802. http://dx.doi.org/10.20473/jd.v6i4.42505.

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Abstract QR Code is a payment channel in Indonesia. Bank Indonesia launched the QR Code Indonesian Standard (QRIS) as a standard QR Code as a payment channel. To support the use of QRIS, Bank Indonesia also issued QRIS implementation guidelines through the Peraturan Anggota Dewan Gubernur Nomor 21/18/PADG/2019 about Implementation of the National Standard Quick Response Code for Payments. While using QRIS, failures are often encountered. To request compensation, it is necessary to know the legal relationship of the parties in order to determine the party responsibility. The legal relationship

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Gusti, Girang Permata. "INCREASING THE NUMBER OF QRIS MERCHANTS AND THE CHALLENGE OF LOW TRANSACTIONS: ANALYSIS OF CONSUMER FINANCIAL BEHAVIOR IN ADOPTING QR PAYMENTS IN INDONESIA." Malaysian E Commerce Journal 8, no. 1 (2024): 12–16. https://doi.org/10.26480/mecj.01.2024.12.16.

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This research aims to analyze consumer financial behavior using QRIS from Bank Indonesia. The method used is descriptive quantitative with secondary data from the Indonesian Payment Systems Association (ASPI) via the KATADATA website. Research findings show growth in the use of QRIS by 23.97 million traders in December 2022, but the average transaction volume and value per trader is still low. Evaluation of the efforts of payment service providers shows the potential to increase the involvement of registered QRIS merchants, especially in dealing with inactive merchants. This research contribut

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Amelia, Anika, Tuti Anggraini, and Nur Ahmadi Bi Rahmani. "Determination of the Decision of the Jamaah Masjid to Pay Infaq Through the Qris Application (Case Study of the Ar-Rahman Masjid Hm. Yamin Field of Fight)." Moneter: Jurnal Keuangan dan Perbankan 11, no. 2 (2023): 201–7. http://dx.doi.org/10.32832/moneter.v11i2.298.

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Technology has made life more comfortable and efficient for people today. The use of QRIS and other innovative payment systems is influenced by technological developments in all areas, including the banking industry. One of the technological advancements that are in demand today is the use of QRIS as a non-financial payment mechanism. The use of QRIS has become one of the alternative payments in mosques in addition to being used for shopping payments. The Ar-Rahman Mosque is one of the mosques that uses QRIS to raise funds for infacts. This research is intended to study the variables that affe

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Musriani, M., and Hardiman F. Sanaba. "Preferences of Traditional Market Traders in Deciding to Use Quick Response Code Indonesia Standard (QRIS) as a Transaction Tool." Jurnal Manajemen Bisnis 11, no. 2 (2024): 1463–71. http://dx.doi.org/10.33096/jmb.v11i2.857.

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The preference of traditional market traders in using QRIS as a non-cash payment transaction method in the traditional market of sorong district is considered ineffective because the perception of traders towards the use of QRIS has a negative perception. The results of the study indicate that the Qris payment system is not ready to be used in traditional markets, especially the Traditional market of Sorong Regency. The four main factors that the payment system has not been continuity in its use are the perception of strongly disagreeing with QRIS providing benefits from other payment systems,

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Aryowiloto, Julang, Katong Ragawi Numadi, and Thessalonicha Nathania Manggo. "QRIS Cross-Border: Indonesia’s Soft Power Diplomacy Instrument in Payment Digitalization in Southeast Asia." WIMAYA 5, no. 02 (2024): 108–21. https://doi.org/10.33005/wimaya.v5i02.168.

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The use of the Quick Response Code Indonesian Standard (QRIS) as a digital payment method has become widespread among the Indonesian population. This success can be attributed to the innovation and convenience offered by QRIS. Beyond Indonesia, QRIS can also be utilized as a digital payment method in countries such as Thailand, Malaysia, Singapore, Philippines, Vietnam, Laos, and Brunei Darussalam through the QRIS Cross-Border initiative. This paper aims to explore the trajectory of QRIS Cross-Border as a digital payment system applicable in most Southeast Asian countries, despite the existenc

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Rahayu, Titin Puji. "Analisis Perlindungan Hukum bagi Pelaku Usaha Penyedia Sistem Pembayaran Qris (Quick Response Indonesian Standard) berdasarkan Undang-Undang Nomor 8 Tahun 1999." Proceedings Series on Social Sciences & Humanities 17 (July 30, 2024): 444–49. http://dx.doi.org/10.30595/pssh.v17i.1169.

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Technological developments have changed the paradigm of payment systems from cash to non-cash, including in the form of electronic money (e-money) and QR-Code. QR-Code has become a popular payment method, especially with the implementation of Quick Response Indonesian Standard (QRIS). However, with technological advances also come new challenges related to legal protection for businesses that provide QRIS payment systems. This paper discusses the urgency of legal protection for business actors providing QRIS payment systems based on Law Number 8 Year 1999 concerning Consumer Protection. In thi

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Rachman, Abdul, Niken Julianti, and Siti Arkoyah. "Challenges and Opportunities for QRIS Implementation as a Digital Payment System in Indonesia." EkBis: Jurnal Ekonomi dan Bisnis 8, no. 1 (2024): 1–13. http://dx.doi.org/10.14421/ekbis.2024.8.1.2134.

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This research aims to analyze the challenges and opportunities for implementing QRIS (Quick Response Code Indonesian Standard) as one of the digital payment systems in Indonesia which has been provided by Bank Indonesia as an application that provides convenience, speed, and efficiency in payment transactions. However, the implementation of QRIS as a digital payment system in Indonesia still faces many challenges, such as limited internet access, competition with other payment systems, security aspects in use that have the potential for fraud or data theft, and low public understanding of QRIS

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Hidayanti, Nur Fitri, and Zaenafi Ariani. "Gaya Hidup Digital, Literasi Keuangan, dan Persepsi Risiko: Faktor Penentu dalam Penggunaan Qris Sebagai Transaksi Digital." Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) 6, no. 4 (2025): 707–15. https://doi.org/10.47065/ekuitas.v6i4.7260.

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Digital transformation in the payment system has encouraged the adoption of Quick Response Code Indonesian Standard (QRIS) based transaction methods. This study aims to identify and analyze the main factors that influence the use of QRIS as a digital payment method with a Systematic Literature Review (SLR) approach. Literature sources were obtained from Scopus, DOAJ, and Google Scholar indexed databases with publication coverage in the last 10 years. The results show that digital lifestyle is the main driving factor in QRIS adoption, especially among Generation Z who have a high level of techn

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Sihaloho, Josef Evan, Atifah Ramadani, and Suci Rahmayanti. "Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan." Jurnal Manajemen Bisnis 17, no. 2 (2020): 287. http://dx.doi.org/10.38043/jmb.v17i2.2384.

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ABSTRACTThe use of server-based electronic money is one of the most popular non-cash payment systems in use today. The form of server-based electronic money is e-wallet / digital wallet. E-wallet can be used to transact by customers, if the merchant provides an application Same e-wallet to customers. This made Bank Indonesia, as the regulator of the payment system, issue a new payment channel namely; QRIS (QR Code Indonesia Standard). The use of QRIS is used to standardize all e-wallets applications that use the QR Code system to conduct payment transactions. This study examines how the applic

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Luh Putu Nindia Sastiari and Ni Ketut Seminari. "The Influence of Convenience & Trust on the Decision to Use the QRIS Payment System in Bangli District." Digital Innovation : International Journal of Management 1, no. 3 (2024): 01–21. http://dx.doi.org/10.61132/digitalinnovation.v1i3.16.

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Technological developments in payment systems that are being encouraged by the government lately involve the emergence of payment instruments known as electronic money (e-money) and virtual money (virtual money). QRIS is a QR code standard for digital payments through server-based electronic money applications, electronic wallets, or mobile banking. This study aims to determine the effect of convenience, trust on usage decisions. The sample in this study used respondents who live in Bangli and are Generation Y and Generation Z who are 17 years and over as many as 84 consumers. The data analysi

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Dewanty, Megananda Aruna, and Imron Mustofa. "PROBLEMATIKA PEMBERLAKUAN QUICK RESPONSE CODE INDONESIA STANDARD BAGI KEMAJUAN EKONOMI DIGITAL PELAKU USAHA UMKM." Jurnal Ekonomi & Bisnis 11, no. 3 (2023): 397–405. http://dx.doi.org/10.58406/jeb.v11i3.1351.

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The Quick Response Code Standard (QRIS) has become the most important innovation in digital payment systems, influencing various economic aspects. This research uses descriptive qualitative methods with literature study techniques. The aim of this research is to study the basic concepts of QRIS and study the practicalities of implementing a digital payment system for business actors. With QRIS, it can facilitate electronic payments with QR codes that can be widely used. The implementation of the QRIS digital payment system not only provides many benefits in terms of ease of transactions, but t

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Nisa, Sakinatun, and Hendri Hermawan Adinugraha. "The Effectiveness of the Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System for MSMEs." Journal of Economics, Management, Accounting and Computer Applications 1, no. 1 (2024): 34–39. http://dx.doi.org/10.69693/jemaca.v1i1.5.

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The rapid advancement of technology has brought significant changes in society, particularly in the economic sector. The latest technological developments, especially in financial technology, have facilitated Indonesians in their daily activities, access to information, and business development. The rise of digital economy through innovations in financial technology has led to the emergence of cashless payment systems, such as QR code-based payment systems. Despite the benefits of these systems, challenges such as inadequate internet infrastructure and lack of public participation hinder their

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M. Zainuri and Ruski. "Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System as a Medium for Digital Financial Literacy Education in Coffee Shops." Journal of Practice Learning and Educational Development 5, no. 2 (2025): 557–61. https://doi.org/10.58737/jpled.v5i2.471.

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Digital transformation in payment systems is an important strategy in driving the efficiency of economic transactions, especially in the micro, small, and medium enterprises (MSMEs) sector. One of the payment system innovations that is growing rapidly in Indonesia is the Quick Response Code Indonesian Standard (QRIS), which is implemented by Bank Indonesia to unify various digital payment systems into one national standard. This study aims to analyze the implementation of QRIS in payment transactions for Coffee Shop business actors in Bangkalan. This study uses a descriptive qualitative method

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Natsir, Khairina, Nurainun Bangun, Michelle Britney Attan, and Joceline Sagita Landias. "PENGGUNAAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL UNTUK MENINGKATKAN PRODUKTIVITAS UMKM." Jurnal Serina Abdimas 1, no. 3 (2023): 1154–63. http://dx.doi.org/10.24912/jsa.v1i3.26208.

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 ABSTRACT E-wallet has become the primary payment method for micro, small, and medium enterprises (MSMEs) apart from cash. The convenience and ease of using e-wallets have made them a popular choice among the public. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment Systems Association on August 17, 2019, serves as a non-cash payment standard based on QR Codes. QRIS integrates non-cash payment systems across Indonesia, reducing the need for multiple QR Codes. Starting from January 1, 2020, services such as GoPay, OVO, and Ba

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Wicaksono, Ardian Oktavianto, Fahmi Fauzi Yuniawan, and I. Made Bayu Dirgantara. "User Satisfaction to Continuous Usage on QRIS Payment: Role of QRIS Contactless Payment Quality." Media Ekonomi dan Manajemen 39, no. 2 (2024): 300. http://dx.doi.org/10.56444/mem.v39i2.4804.

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This research aims to develop and evaluate an empirical model of the role of QRIS (Quick Response Code Indonesian Standard) Contactless Payment Quality, including Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Service Security (SS), in shaping User Satisfaction (US) and Continuous Usage (CU) among QRIS payment users in Central Java. The empirical model is built based on the Technology Acceptance Model (TAM) and existing literature on Contactless Payment Quality. For this purpose, an online survey was conducted with approximately 232 QRIS payment users aged 17 and above, and the d

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Jannah, Nur Izzati, Vika Fitranita, Novita Sari, Deasy Emalia, and Indah Oktari Wijayanti. "Acceptance Of Financial Technology Based On Digital Payment Among Msmes Using Qris In Bengkulu: A Unified Theory Of Acceptance and Use Of Technology 2 (Utaut 2) Approach." Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA) 2 (January 9, 2025): 1887–98. https://doi.org/10.33369/bicemba.2.2024.241.

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One of the digital strategies used by MSMEs is digital payments to help transaction activities in their business. Bank Indonesia with the Indonesian Payment System Association (ASPI) on August 17, 2019 launched an Indonesian standard QR Code, namely Quick Response Code Indonesian Standard (QRIS). This study aimed to examine the effect of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Hedonic Motivation and Price Value, Habit on Behavior Intention of digital payment QRIS based on the theory of Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2).

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Bahfen, Namirah, Setyo Ferry Wibowo, and Terrylina Arvinta Monoarfa. "A Consumer Decision Analysis Using QRIS as a Digital Payment Tool." International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM) 2, no. 1 (2024): 67–81. http://dx.doi.org/10.21009/isc-beam.012.08.

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Digital technology has experienced rapid development in the last few decades. Increasingly developing technology has also entered the realm of finance and payment systems. A digital-based payment system can make it easier for people to meet their diverse needs and live their lives more effectively and efficiently. In the digital payment system, there are non-cash (cash) and cash (cash) payments. Non-cash digital payment methods (cashless) are one type of payment that is popular with the public because they can minimize the spread of viruses through money intermediaries, one of which is the use

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Arief Bachtiar, Mohhammad Wesla Dhifayana Sukirman, Natasha Claudia Ambarita, Diva Delia Rossa Nicolas, Vinda Cendrawati, and Wardah Fadiah Salsabila. "Penggunaan Qris Sebagai Sistem Cashless Dalam Meningkatkan Efisiensi Transaksi Umkm di UPN “Veteran” Jawa Timur." Jurnal Manajemen dan Ekonomi Kreatif 2, no. 1 (2023): 140–46. http://dx.doi.org/10.59024/jumek.v2i1.285.

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The era of the digital economy, known as the fourth industrial revolution, has brought significant technological advances, especially in the field of digital payment systems. Although this system has advantages and disadvantages, this system is generally superior to other payment systems. It is importat to note that the presence of a digital payment system does not mean eliminating physical cash. Carrying out research regarding the use of QRIS for MSMEs in the UPN “Veteran” East Jawa canteen uses a quantitative apporach to collect and analyze data related to the efficiency of MSME transactions

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Jusman, Jumriaty, and Ika Fauziah. "Receptiveness of QRIS as a Digital Payment Among MSME in Palopo City." Interdiciplinary Journal and Hummanity (INJURITY) 3, no. 10 (2024): 707–17. http://dx.doi.org/10.58631/injurity.v3i10.1234.

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The rapid digitalization of financial transactions has led to the widespread adoption of technology-based payment systems among Micro, Small, and Medium Enterprises (MSMEs). One significant innovation in Indonesia is the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia in 2019 to streamline digital payments through a unified QR code. This study explores the impact of user convenience, trust, and risk perception on QRIS user satisfaction, and further examines how these factors influence the overall use of QRIS among MSMEs in Palopo City. Using a quantitative approach

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Permanasari, Kartika Indah, Endang Siti Astuti, Kadarisman Hidayat, and M. Kholid Mawardi. "Impact Technology Factors on Trust and Intent to Use QRIS." KnE Social Sciences 10, no. 13 (2025): 220–26. https://doi.org/10.18502/kss.v10i13.18963.

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Electronic payment systems have become an important part of modern life, driven by rapid advancements in digital technology. One such innovation is the QRIS (Quick Response Code Indonesian Standard) payment system, developed by Bank Indonesia to simplify and unify various electronic payment services. This study explores the influence of key technological factors in users’ intentions to adopt QRIS, with trust acting as a mediating variable. Using the Technology Acceptance Model (TAM), the research investigates how perceived ease of use, perceived usefulness, and security/privacy affect users’ w

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Nadinta, Puti Shalia, and Nurrani Kusumawati. "Influence of QRIS Payment Customer Satisfaction Towards Customer Loyalty And Continuity." Journal of Consumer Studies and Applied Marketing 1, no. 1 (2023): 61–66. http://dx.doi.org/10.58229/jcsam.v1i1.52.

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The official standardized payment system in Indonesia, Quick Response Indonesian Standard (QRIS), was introduced on August 17, 2019. QRIS is anticipated to facilitate QR payment systems, which allow for scanning a single QR code from various digital payment services as long as they are registered with QRIS. The researcher conducted exploratory research to better grasp the consumer perspective on utilizing QRIS due to the increased usage of QRIS over time. It has been discovered that employing QRIS still has its limitations. With that, a more thorough investigation is conducted into the relatio

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Usman, Osly, Inkreswari Retno Hardini, and Adnan Kasofi. "Integrated QR payment system: Cashless payment solution in developing countries from the perspective of MSMEs." International Journal of Innovative Research and Scientific Studies 8, no. 2 (2025): 1424–32. https://doi.org/10.53894/ijirss.v8i2.5470.

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This study explores the implementation of QRIS (Quick Response Code Indonesian Standard) based cashless payment systems among MSMEs in Jakarta. Using descriptive and explanatory survey methods, the data were analyzed through Partial Least Square (PLS). The main focus of the research is to examine the effect of Mobile Usefulness and Perceived Ease of Use variables on Attitude Toward Using and Behavioral Intention to Use QRIS. The results showed that Mobile Usefulness has a positive and significant impact on Attitude Toward Using and Behavioral Intention to Use. Perceived Ease of Use also has a

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Jihan Arlista Putri and Ridho Rokamah. "The Impact of the Technology Acceptance Model on Interest in Using QRIS for FEBI Students at IAIN Ponorogo." Velocity: Journal of Sharia Finance and Banking 4, no. 1 (2024): 13–28. http://dx.doi.org/10.28918/velocity.v4i1.7335.

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Interest in using payment systems, especially QRIS, has grown rapidly among students. New technology such as QRIS is a symbol of society's adaptation to technological advances in meeting increasingly complex and dynamic payment needs. The problem studied in this study is to find out the Technology Acceptance Model (TAM) affects the interest in using QRIS in FEBI IAIN Ponorogo students . This research method uses a descriptive quantitative approach with multiple linear regression analysis. The results showed that perceived usefulness, perceived ease of use, user attitudes and actual technology

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Mareta, Yossi, and Meiryani Meiryani. "Determinants of Interest Using QRIS as a Payment Technology For E-Wallet by Z Generation in Indonesia." Syntax Literate ; Jurnal Ilmiah Indonesia 8, no. 2 (2023): 800. http://dx.doi.org/10.36418/syntax-literate.v8i2.11175.

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In the midst of the rapid growth of financial technology companies that act as payment system service providers (PJSP) in Indonesia continue to innovate,the Quick Response Code Indonesian Standard(QRIS)is present as a solution to implement innovations in payment systems offered by these fintech companies. This study aims to identify the factors that influence the interest of Gen Z in using the QRIS payment system in the e-wallet. This study used systematic literature review. The result of the study shows that perceived ease of use, perceived usefulness, trust, social influence, dan promo

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Alyssa Tsabita Farhana, Dzahira Brilliant Syakira, Muh Syukron, Ruth Meilianna, and Yanti Astrelina Purba. "Uses, constraints, and benefits of QRIS for merchants in Pondok Cina Station." Jurnal Studi Komunikasi (Indonesian Journal of Communications Studies) 9, no. 1 (2025): 054–66. https://doi.org/10.25139/jsk.v9i1.9199.

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As technology continuously develops, economic activities begin to shift from the use of traditional payment systems to the use of digital payments. The urgency of the Micro, Small and Medium Enterprises (MSME) digitalisation program will gradually encourage small-scale street food vendors to adjust to technological advances. With this transformation, this study aimed to measure the development of QRIS usage among small merchants, whereby only little research has been done on the use of QRIS among small merchants. The researchers conducted a survey and in-depth interviews with small merchants a

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Nabila, Alya Putri, Sri Raharso, and Ermina Tiorida. "The Influence of Trust and Transaction Security on Interest in Using The QRIS Payment System." Airlangga Journal of Innovation Management 6, no. 2 (2025): 248–60. https://doi.org/10.20473/ajim.v6i2.72597.

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This study aims to determine the effect of trust and transaction security on interest in using the QRIS payment system (study on QRIS users in Bandung City). The development of technology and payment systems today has encouraged new innovations, including the use of QRIS as an increasingly popular digital payment method. In this case, understanding the interaction between trust, security, and interest in use is very important. This study uses quantitative methods with a population of QRIS users in Bandung City. The sample was taken by purposive sampling by distributing questionnaires to 200 re

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Triwahyudi, Ferdy Achmad, and Indrawati Yuhertiana. "Penggunaan Quick Response Code Indonesian Standard (QRIS) Sebagai Sistem Pembayaran Digital: Analisis Bibliometrik." Journal of Economic, Bussines and Accounting (COSTING) 7, no. 4 (2024): 7334–46. http://dx.doi.org/10.31539/costing.v7i4.10274.

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This study aims to determine the development of publications on the topic of using Quick Response Indonesian Standard (QRIS) as a digital payment system from 2018-2023 and find out scientific articles that have the highest number of citations on the topic of using Quick Response Indonesian Standard (QRIS) as a digital payment system. Data collection was carried out using Google Scholar with QRIS keywords and digital payment systems. With the categories used, namely article titles, abstracts, and keywords in vulnerable time 2018-2023. Search results show that there are 568 articles, but that nu

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Hidayah, Nurul, Akmal Ridwan, Nugroho Dwi Prihandoko, and Nurhani Nurhani. "Factors Affecting MSMEs in Using QRIS and Electronic Data Capture (EDC) as a Cashless Payment Method: Evidence from Sorong City, Southwest Papua." International Journal of Business Studies 7, no. 3 (2023): 157–68. http://dx.doi.org/10.32924/ijbs.v7i3.309.

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Rapid progress has been made in the development of cashless payment systems. As can be seen from the positive level of public acceptance of this payment method development standard, moreover this trend has become necessary for rural communities. QRIS and debit card payment via EDC are the non-cash methods that MSMEs players in Sorong city utilize the most frequently. Sorong city is quite developed province of Southwest Papua Indonesia, which is well regarded as a commercial and industrial hub. According to reports as of January 2022, the use of QRIS by merchants in the Sorong city itself has n

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Nasyati, Vera Putri, Sari Marliani, and July Yuliawati. "Analisis Penjualan Dengan Menggunakan Sistem Pembayaran Digital Untuk Meningkatkan Pendapatan Umkm Molases Tetes Tebu." Journal of Economic, Bussines and Accounting (COSTING) 7, no. 3 (2024): 4433–41. http://dx.doi.org/10.31539/costing.v7i3.9185.

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This research aims to determine and analyze sales using a digital payment system on PD income. Nasep Jaya. The research was carried out at PD. Nasep Jaya, whose address is Jl. Raya Pantura Gempolsari, Simpang Village, Patokbeusi District, Rancamulya Village, Subang Regency, West Java. This research uses a qualitative descriptive approach with interview and field observation methods. The form of triangulation used in this research is source triangulation. The results of the research show 1) Sales growth is quite stable, especially around 80% of consumers subscribe every month. Although the use

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Mariyah, Abner Owen Johannes Sianipar, and Aisyah Insani Romadloni. "Pendampingan Usaha Melalui Pengadaan Sistem Pembayaran Digital (QRIS) dan Pembaharuan Banner Pada Loket Pembayaran BUMDes di Desa Sebuntal." ANDIL Mulawarman Journal of Community Engagement 2, no. 1 (2025): 1–6. https://doi.org/10.30872/andil.v2i1.1603.

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Micro, Small, and Medium Enterprises (MSMEs) and Badan Usaha Milik Desa (BUMdes) are the drivers of the economy in Sebuntal, Marangkayu sub district, Kutai Karatnegara Regency. The payment system is still manual and the the limited use of non-cash payment applications and banners do not yet contain BUMDes services encourage the implementation of community service. The activities conducted by assitance in making Quick Response Code Indonesia Standard (QRIS) and updating the BUMDes banners. The results of activities were indicated that Thai Tea 72 and BUMDes Sebuntal Berkah have QRIS barcodes fo

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Sendjaja, Theodorus, Didik J. Rachbini, Rina Astini, and Daru Asih. "The Effectiveness of QRIS Transaction Implementation During the COVID-19 Pandemic." International Journal of Science and Society 5, no. 5 (2023): 871–78. http://dx.doi.org/10.54783/ijsoc.v5i5.952.

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The Covid-19 pandemic has hit the entire world, including Indonesia, causing severe impacts on the social and economic sectors. Electronic or non-cash money payment systems have progressed along with the development of information technology, in line with the increase in users and service providers of electronic money payment systems. This study aims to analyze the effectiveness of QRIS transaction implementation during the Covid-19 pandemic. Qualitative research is used to bring researchers closer to the phenomenon studied, especially in the context of using QRIS by micro, small and medium en

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Wulansari, Kristin, Siti Shoimah, Eka Agustiningtyas, I. Gede Iwan Suryadi, and Thomas Evi Viktor Rahajaan. "READINESS TO ADOPT QRIS AMONG MSMES IN SAMARINDA: AN EMPIRICAL ANALYSIS." ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) 11, no. 2 (2024): 72–84. http://dx.doi.org/10.36987/ecobi.v11i2.5880.

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Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia and the Indonesian Payment System Association, is a versatile payment system that accepts transactions from both bank and non-bank sources. Given the increasing competitive business environment and the necessity for efficient and swift payment systems, Micro, Small, and Medium Enterprises (MSMEs) need to be prepared to adopt QRIS. This study aims to assess the readiness of MSMEs in Samarinda to implement QRIS. The research employs the Technology Acceptance Model (TAM) with the inclusion of a trust variable. Primary dat

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Deki Nur Fitrian, Widayanto, and Hari Susanta Nugraha. "Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model." World Journal of Advanced Research and Reviews 23, no. 2 (2024): 073–84. http://dx.doi.org/10.30574/wjarr.2024.23.2.2292.

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Digital age has a significant impact on people's daily activities. One of the benefits of digitalization is the emergence of digital payment systems to facilitate transactions. QRIS (Quick Response Indonesian Standard) is one of the non-cash payment systems launched by Bank Indonesia and the Indonesian Payment Systems Association in 2019. Although QRIS continues to increase users every year, the tendency of Indonesian people to use cash or debit cards for transactions is still high. In addition, the discovery of security loopholes in the QRIS payment system also makes people hesitant to use th

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Deki, Nur Fitrian, Widayanto, and Susanta Nugraha Hari. "Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model." World Journal of Advanced Research and Reviews 23, no. 2 (2024): 073–84. https://doi.org/10.5281/zenodo.14833210.

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Digital age has a significant impact on people's daily activities. One of the benefits of digitalization is the emergence of digital payment systems to facilitate transactions. QRIS (Quick Response Indonesian Standard) is one of the non-cash payment systems launched by Bank Indonesia and the Indonesian Payment Systems Association in 2019. Although QRIS continues to increase users every year, the tendency of Indonesian people to use cash or debit cards for transactions is still high. In addition, the discovery of security loopholes in the QRIS payment system also makes people hesitant to use th

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Avid Tri Asih and Ika Wulandari. "Pendampingan Pembuatan Aplikasi Sistem Pembayaran Digital (Qris) Pada Umkm Toko Kelontong." ARDHI : Jurnal Pengabdian Dalam Negri 2, no. 6 (2024): 195–202. https://doi.org/10.61132/ardhi.v2i6.945.

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Community service activities aim to increase understanding and knowledge about digital or non-cash payment systems. This service was carried out at the MSMEs of the "Bu Yani" Grocery Store located in Karanglo, Argomulyo, Sedayu District, Bantul Regency and the MSMEs of the "Bu Ratmi" Grocery Store located in Balong, Kaligintung, Temon District, Kulon Progo Regency. The stages used in service activities are 1. Observation, 2. Presentation, 3. Training and Mentoring, 4. Evaluation. The result of this service activity is that MSME actors already understand QRIS and its benefits as an effective me

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Witanti Putri Anggreani, Christian Wiradendi Wolor, and Marsofiyati Marsofiyati. "Analisis Penerapan Sistem Pembayaran Quick Response Code Indonesian Standard (QRIS) pada Kantin Baru Universitas Negeri Jakarta." SANTRI : Jurnal Ekonomi dan Keuangan Islam 1, no. 5 (2023): 58–71. http://dx.doi.org/10.61132/santri.v1i5.44.

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In the era of digitalization and rapid technological development, payment systems have undergone significant transformation. One innovation in payments is the Quick Response Code Indonesian Standard (QRIS), which has become increasingly common in various sectors. An in-depth understanding of the implementation of QRIS in the new canteen environment of Jakarta State University will provide valuable insight into how this new technology impacts the transaction process. This research uses a qualitative descriptive approach, namely by describing and analyzing the problems found. Data collection tec

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Husna, Asmaul, Andi Asy'hary J. Arsyad, Reny Amalia Permata, Chairi Nur Insani, and Faiqotul Mala. "Integritas Sistem Pembayaran Digital (QRIS) Bagi Pelaku UMKM." Bakti Sekawan : Jurnal Pengabdian Masyarakat 4, no. 2 (2024): 59–63. https://doi.org/10.35746/bakwan.v4i2.675.

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To ensure that micro, small, and medium-sized enterprises (MSMEs) in Indonesia implement the Digital Payment System Integrity (QRIS), effective monitoring efforts involving social responsibility are required. The purpose of this dedication to the community is to find out how UMKM perpetrators understand QRIS integration and the problems they face. The implementation methods used include direct support, surveys, transaction monitoring, practical training, and understanding of QRIS and digital payment systems. Therefore, Commitment to the Society provides guidelines for implementing commitment i

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Ashila Dwiyanisa, Irena Larashati, and Dhea Bunga Annisa. "Factors Forming the Quality of Electronic Services of Payment System Service Providers (PJSP) QRIS on Micro Businesses (Merchants) in Bandung City with E-Service Quality and IS Success approaches." Jurnal Computech & Bisnis 17, no. 2 (2024): 125–44. http://dx.doi.org/10.56447/jcb.v17i2.228.

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Acceleration in various fields that occur today also affects the payment system that can be used by consumers. Consumers are currently presented with various cashless payment systems that are considered more convenient than previous payment methods. One of the cashless payment systems that are widely used today is QRIS or Quick Response Code Indonesian Standard. However, until now there has been no instrument that specifically measures the e-service quality provided by PJSP QRIS to its merchants. This research aims to provide alternative e-service quality with more specific indicators at PJSP

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