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Journal articles on the topic 'QRIS payment systems'

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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 as a means of payment, you can use one e-wallet to pay merchants, such as Link Aja, Gopay, OVO, DANA, Shopeepay, and others. This research was conducted to compare payment systems (cash and QRIS payments) made by Banten students in making transactions. This research was conducted using quantitative methodology. The distribution data was collected through the distribution of questionnaires.
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2

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 among the public has shortcomings in terms of network connection and age factors. Among MSMEs, the QRIS payment system continues to increase due to the ease of transacting using one QR code. Meanwhile, in the current generation (generation Y, Z, and Alpha), the QRIS payment system is not only to support needs but has become a daily lifestyle. The QRIS payment system aligns with Talcott Parsons' theory of AGIL (adaptation, goal attainment, integration, and latency).
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3

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 influenceithe use ofi QRISi are ease of use, transaction security, and financial benefits. The implication ofi the resultsi of thisi study isi that therei is a needi to improve education andi outreach about using QRIS as an alternative to non-cash payment systems in Palangka Raya City.
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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 as a unifying tool for the QR Code Non-Cash Payment System, second, the implementation of QRIS as a driver to realize the vision of the Indonesian Payment System 2025, and third, traders' perceptions of the use of QRIS as a transaction tool for MSMEs in Mataram. The research approach in this study is descriptive qualitative with data collection methods, namely observation, interviews, documentation and literature study. The research results concluded that first, Bank Indonesia launched QRIS on August 17 2019 to simplify QR Code-based non-cash payments. Second, QRIS is one of the initiatives to realize the Indonesian Payment System 2025 and Third, QRIS helps merchants (MSMEs) to make more practical, fast and safe payments and encourages merchants to save part of their income, but according to the results of the author's interview, there are still few people who using non-cash payments and there are still many who don't know what QRIS is.
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5

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 collection techniques included interviews, questionnaires, and documentation, while data analysis employed multiple linear regression. The results indicate that both Perceived Risk and Trust have a positive and significant influence on the decision to use QRIS. These findings provide insights for Bank Indonesia to expand QRIS networks, minimize risks, and enhance public trust in QRIS as an efficient digital payment solution.
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6

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 significantly improved transaction security. In addition, this system encourages the growth of the digital ecosystem and financial inclusion by making it easier to integrate various payment platforms. Although QRIS helps prevent fraud with a verification mechanism and surveillance of suspicious actions, there are still problems. One of them is the need to educate users about security practices. In addition, QRIS has provided a strong foundation for the development of new technologies, encouraging innovation in digital payment systems. When various stakeholders in the payments ecosystem work together, the user experience becomes better. Although innovation has many advantages, the management of new technologies and compliance with safety standards are still a problem. Overall, QRIS offers a secure and integrated payment solution while allowing for innovation. To maximize the benefits of QRIS, all parties must continue to improve their understanding of security, support financial inclusion, and adapt to the latest innovations.
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7

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 of the features of the Mobile Banking service, applies a regulatory account using a wadiah & mudharabah contract. This study means identifying the BSI KCP Stabat Proclamation Strategy to Increase Client Interest in Using QRIS-Based Payments.
 This study is a field study using a descriptive qualitative study method. There is also the value of this study from the staff of Bank Syariah Indonesia KCP Stabat Proclamation. The procedure for collecting data is using questions and answers. The procedure for legalizing the data by using data & news according to various different roots.
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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 a qualitative descriptive approach with a case study methodology, this study analyzes the impact of these tariff on Indonesia's digital payment system through literature review and theoretical triangulation. The Frankfurt School and Hegemony Theory are applied to explain how the U.S. employs tariff to sustain its global dominance and counter emerging threats. The study concludes that the tariff on Indonesia's QRIS reflect superpower dominance, aiming to preserve U.S. hegemony in the global payment system. QRIS, with its potential to replace U.S.-dominated systems, represents a threat to U.S. dominance in international payments. This research also offers insights into how developing nations like Indonesia use technological innovation to reduce reliance on financial systems controlled by advanced nations.
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9

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 anywhere and anytime. This study aims to find out how the implementation of financial technology in QRIS as a Digital Payment System in the MSME Sector in Binjai Cuty. This research uses qualitative descriptive method. Data collection techniques, namely using observation, interviews, documentation and literature studies which will be analyzed through the author’s observations to answer the formulation of the research that the researcherts conducted in order to socialize the implementation of the use of QRIS in several MSMEs in the city of Binjai, namely street vendors such as Dayana Ponsel, Seafood Meatball Traders, Takoyaki Kimono, Geprek Chicken Vendors Adek Sri who are in the city Binjai. Through the interview method of several respondents from street vendors, the results of the study proved that 20% of MSME actors already use the the payment system using QRIS, but 80% of MSME traders do not know what QRIS is. QRIS helps merchants (MSMEs) to make payments mor ppractical, fast and secure and with the convenience of these transactions people choose to shop and will indirectly increase income for MSME players.
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10

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, and showed a robust fit with his GFI value above 0,917. The results show that the TAM variables (perceived ease of use, usefulness, enjoyment, and financial literacy) significantly influence his interest in implementing QRIS, which increases his 5% is supported by a probability value less than or equal to.
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11

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 Indonesia presents a promising solution due to its numerous advantages, including instant payment, enhanced security, easy setup, high reliability, and absence of associated charges. However, QRIS payments face limitations as they are inaccessible to foreigners without bank accounts or connections to Indonesian payment operators. To address this challenge, the Indonesian government has collaborated with four ASEAN countries to integrate the QRIS system with their respective user bases. Nevertheless, the global utilization of QRIS remains a problem that this study aims to address. One approach to promoting cross-border QR payment cooperation is to bolster the economic progress of MSMEs in each country. The objective of this study is to highlight the significant opportunities for developing integrated connectivity and cross-border QR payment codes in Indonesia. Further research is necessary to advance the development of prototypes, designs, and the implementation of integrated connectivity and cross-border QR payment code linkage on a global scale.
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12

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 online questionnaire involving 98 respondents. The results show that these three variables significantly influence purchasing decisions. QRIS is believed to provide convenience, efficiency, and comfort in transactions, thereby encouraging positive attitudes and high usage intentions. In conclusion, the implementation of QRIS can enhance transaction efficiency and positively impact consumer purchasing behavior, particularly in the MSME sector. This research contributes to the development of digital payment systems in Indonesia and is expected to provide input for policymakers in supporting broader adoption of QRIS.
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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 between the parties in the QRIS transaction is a civil law relationship that arises from various kinds of agreements. To resolve disputes arising from QRIS transaction failures, the most appropriate dispute resolution is a complaint to a Payment Service Provider or a complaint to Bank Indonesia because it is free of charge. Considering that the QRIS transaction limit is IDR 10,000,000 (ten million rupiah) per transaction. Keywords: QRIS, Payment Systems, Liability, Payment Service Provider, Banking Law Abstrak QR Code merupakan salah satu kanal pembayaran yang ada di Indonesia. Pada tahun 2019 Bank Indonesia meluncurkan QR Code Indonesian Standard (QRIS). Untuk mendukung penggunaan QRIS, Bank Indonesia juga mengeluarkan pedoman implementasi QRIS melalui Peraturan Anggota Dewan Gubernur Nomor 21/18/PADG/2019 tentang Implementasi Standar Nasional Quick Response Code untuk Pembayaran. Dalam penggunaan QRIS sering dijumpai kegagalan transaksi. Untuk meminta ganti rugi, perlu diketahui hubungan hukum para pihak guna menentukan pihak yang bertanggung gugat. Hubungan hukum para pihak dalam transaksi QRIS merupakan hubungan hukum keperdataan yang timbul dari berbagai macam perjanjian. Penyelesaian sengketa yang timbul dari kegagalan transaksi QRIS yang paling sesuai adalah pengaduan kepada Penyelenggara Jasa Pembayaran atau pengaduan kepada Bank Indonesia karena tidak dipungut biaya mengingat batas maksimal transaksi QRIS adalah Rp 10.000.000 (sepuluh juta rupiah) per transaksi. Kata Kunci: QRIS, Sistem Pembayaran, Tanggung Gugat, Penyelenggara Jasa Pembayaran, Hukum Perbankan
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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 contributes to understanding the factors that influence consumer financial behavior regarding QRIS and evaluating the effectiveness of PJP strategies. It is hoped that the implications of this research can support the formulation of more effective policies and strategies to increase QRIS adoption and strengthen the digital payments ecosystem in Indonesia.
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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 affect the decision of the Mosque of Ar-Rahman to inflate using QRIS.Ketua BKM Mosque and Jamaah Mosque Ar- Rahman became the main source of data in this research, which is carried out with qualitative descriptive methodology. Secondary data sources come from literature surveys. The percentage of Ar-Rahman Mosque jamaahs using QRIS is currently around 20%; however, as the BKM of the mosque continues to socialize, this number will probably continue to increase. Awareness of QRIS, the ease of using QRIS and the satisfaction of the QRIS users are factors that influence the decision of the Masjid Ar-Rahman to inflate through QRIS.
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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, as well as the perception of disagreeing with QRIS can increase sales, QRIS can increase the number of consumers, and the use of QRIS as a transaction tool that can protect personal data and transaction data when transacting, QRIS as a transaction tool that can guarantee access and data both personally and payment transactions. However, traditional market traders in Sorong Regency have a positive perception of QRIS as a transaction tool to speed up payment transactions, therefore the need for socialization to the public of the benefits of using QRIS as a transaction tool.
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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 existence of similar payment systems already in use within these nations. From the perspective of soft power diplomacy, this paper argues that Indonesia has effectively influenced the digital payment policy preferences of Southeast Asian countries by positioning QRIS Cross-Border as a tool of soft power. By leveraging the competitive advantages of QRIS Cross-Border, Indonesia has successfully attracted these nations to adopt it as their digital payment system. Nevertheless, the implementation of QRIS Cross-Border has not yet fully reached all countries in Southeast Asia.
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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 this context, the concepts of freedom of contract, consent, sale and purchase, and consumer protection are elaborated to understand the rights and obligations of the parties in electronic payment transactions. The importance of the application of law as a preventive and repressive measure to prevent and overcome violations is also discussed. In addition, the relationship with Law Number 19 of 2016 concerning Electronic Information and Transactions and the implementation of Bank Indonesia regulations related to QRIS are highlighted in enforcing the rules and ensuring security and legal certainty in electronic payment transactions.
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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. This research uses descriptive qualitative research methods with a focus on challenges and opportunities in implementing QRIS in Indonesia. The primary data sources in this research are observations and in-depth interviews with business actors who use QRIS. Secondary data sources were obtained from Bank Indonesia QRIS documents and data. This research found that the challenges in implementing QRIS in Indonesia are still low support from the central government and regional governments in accelerating the use of QRIS, not yet optimal cooperation between financial institutions, industry, and society, inadequate information technology infrastructure, and low public understanding about QRIS. Meanwhile, QRIS has enormous opportunities because it is one of the instruments in encouraging digital economic acceleration that is inclusive and efficient. QRIS has huge market potential because there is an increasing number of smartphone users every year.
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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 technological skills and a tendency to use non-cash payments. In addition, financial literacy plays an important role in increasing users' confidence in utilizing QRIS, where individuals with better financial understanding tend to be more open to digital payment systems. However, risk perception remains an obstacle to QRIS adoption, specifically related to data security and potential cybercrime. The study also found that the COVID-19 pandemic has accelerated the transition to digital transactions, making QRIS a safer and more efficient payment alternative. Nonetheless, challenges in improving financial literacy, especially among MSMEs and older age groups, as well as the need for clearer regulations in ensuring system security, are still aspects that need attention. Therefore, further research is needed to explore strategies to increase QRIS adoption through educational approaches, regulatory policies, and strengthening digital infrastructure to expand financial inclusion in Indonesia.
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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 application of QRIS to UMKM in Medan, and describes the roles, constraints, and income of UMKM s in the presence of QRIS. The research method used is interviews and literature studies with UMKM traders who have used QRIS as a payment tool in their characters. This research indicates that QRIS has benefits for UMKM traders.
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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 analysis technique uses Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, Determination Coefficient Test, F Test and T Test. From the research results obtained, the results of convenience have a positive and significant effect on the decision to use, trust has a positive and significant effect on the decision to use and convenience and trust have a positive and significant effect on the decision to use. Suggestions that can be given by researchers are that it is hoped that the QRIS manager will periodically make updates to QRIS, the QRIS manager provides complete information on social media or the official QRIS website so that later all the information needed by QRIS users is available and continues to add places that provide QRIS payment methods.
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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 there are still problems faced, such as network problems which make the transaction process hampered; the complicated registration process makes some business actors give up their intention to register; it is feared that the increase in MDR rates for micro business actors will reduce income for sellers; the rise of fake QRIS code fraud makes people worried about carrying out digital transactions; not all of the storage memory on cell phones used by the public can accommodate the existing update capacity; the uneven distribution of merchants makes it difficult for people who use digital wallets; and the lack of understanding of the Indonesian people makes QRIS transactions difficult to develop.. This research provides a broader understanding of the usefulness of QRIS for business actors and the economy as a whole.
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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 effectiveness, especially in rural areas like Rowoyoso village in Pekalongan Regency. This study aims to explore the effectiveness of implementing the QRIS payment system for Micro, Small, and Medium Enterprises in Rowoyoso Village, Pekalongan Regency. The qualitative research approach involves data collection through interviews with MSMEs owners and observations at the research site. Findings indicate that while QRIS offers convenience and transparency in financial transactions, challenges such as poor internet connectivity and low community participation pose barriers to its successful implementation. The research contributes to understanding the impact of digital payment systems on MSMEs and highlights the importance of addressing infrastructure and community engagement issues for the effective adoption of QRIS. The findings suggest that QRIS can enhance business operations, streamline financial management, and improve security compared to traditional cash transactions. By evaluating the effectiveness of the QRIS payment system, this study provides insights for policymakers, financial institutions, and MSMEs owners to enhance the digital payment ecosystem in rural areas like Rowoyoso village.
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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 with a case study approach to five Coffee Shop business actors in Bangkalan who use QRIS as their main payment method. The results of the study show that the use of QRIS provides significant benefits such as ease of transactions, time efficiency, increased turnover, and transaction security. However, there are obstacles faced by business actors such as technical disruptions, dependence on a stable internet connection, and lack of technical education for business actors and consumers. This study recommends increasing digital literacy education, strengthening internet infrastructure, and technical support from the government and payment system service providers to support the optimization of QRIS implementation in the MSME sector, especially in the Coffee Shop industry.
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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 Bank Syariah Mandiri have implemented QRIS.This initiative focuses on MSMEs in RW 09, Kelapa Dua, Tangerang. Many MSMEs in this area, particularly small kiosks, have yet to adopt QRIS despite its potential to expedite transactions and record-keeping. The engagement involves conducting a training session on QRIS usage on May 6, 2023, in Kelurahan Kelapa Dua, Tangerang. A total of 25 participants are invited to learn about utilizing QRIS as a payment method and for business reporting.
 ABSTRAK
 E-wallet telah menjadi model pembayaran utama selain tunai bagi UMKM. Kemudahan dan kenyamanan menggunakan e-wallet menjadikannya pilihan masyarakat. QRIS, diperkenalkan oleh Bank Indonesia dan Asosiasi Sistem Pembayaran Indonesia pada 17 Agustus 2019, adalah standar pembayaran nontunai berbasis QR Code. QRIS mengintegrasikan sistem pembayaran nontunai di Indonesia, mengurangi kebutuhan akan banyak QR Code. Sejak 1 Januari 2020, layanan seperti GoPay, OVO, dan Bank Syariah Mandiri menerapkan QRIS. Kegiatan pengabdian ini berfokus pada UMKM di RW 09, Kelapa Dua, Tangerang. UMKM di daerah ini, terutama warung kecil, belum mengadopsi QRIS, meski bisa mempercepat transaksi dan pencatatan. Kegiatan pengabdian meliputi pelatihan penggunaan QRIS pada 6 Mei 2023 di Kelurahan Kelapa Dua, Tangerang. Ada 25 peserta yang diundang untuk belajar tentang penggunaan QRIS sebagai metode pembayaran dan pelaporan usaha.
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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 data were analyzed using the Structural Equation Modeling (SEM) approach with the SmartPLS program. The study found that PEOU significantly influences PU. Additionally, the three components of Contactless Payment Quality (PEOU, PU, and SS) jointly determine US, and both US and SS together impact CU. Furthermore, this research demonstrates that US truly mediates the relationship between PEOU, PU, and SS with CU. Therefore, the findings contribute to the development of a holistic TAM and Contactless Payment Quality framework by providing a comprehensive model of antecedents and consequences of user satisfaction for QRIS payment users. The study also offers valuable insights for managers of companies managing QRIS systems.
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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). The population used in this study is all assisted MSME owners and partners of Bank Indonesia Representative Office of Bengkulu Province and the sample used is MSME owners who use QRIS in their business. The analysis tool used in this study is SmartPLS 318 | Sesilya Kempa, Fransisca Angelica Liemena 4.0 with the SEM-PLS model. The results showed that Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Habit had a positive effect on Behavior Intention. While Hedonic Motivation and Price Value have no effect on Behavior Intention. The findings in this study contribute to providing empirical evidence of the digital payment system acceptance analysis model with QRIS applied to MSMEs in Bengkulu. This research can add research references in the field of digital payment systems, especially in the development of technology acceptance models and information systems Unified Theory of Acceptance and Use of Technology (UTAUT) 2 so that it can be used as material for subsequent research.
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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 of the Indonesian Standard Quick Response Code (QRIS). This research aims to analyze consumer decisions to use QRIS as a digital payment tool. The sample in this research was 100 respondents. This research uses quantitative methods with descriptive research type. The sampling technique uses non-probability sampling using purposive sampling technique. The method used in data collection was a questionnaire with a Likert scale and data processing used SPSS 29 software to carry out validity testing of an instrument. Validity tests were carried out on the indicators in the online questionnaire which had been filled in by respondents. Keywords: Consumer Preferences, QRIS, Consumer Behavior
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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 in the UPN Veteran East Jawa canteen using QRIS as an electronic payment method. The sample for this research was taken randomly from MSMEs in the UPN “Veteran” East Jawa canteen. Directly from the knowledge of business actors to the obstacles faced, this discussion chapter discusses in detail the key findings that emerged during the research process.1. business Actors’ Knowledge of Qris. 2. Benefits of QRIS for Business Actors. 3. Barriers to Business Actors in Using QRIS. 4. Practical Implications and Recomendations. 5.Ease and Speed of Transactions. 6. Cheaper Transaction Fees. 7. Improved Transaction Records. 8. Inflation Control and Monitoring of Goods Prices
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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, data were collected from 52 MSME actors and analyzed with SPSS V.25 to assess the relationships between variables. The results indicate that user convenience and risk perception have a significant impact on user satisfaction, while trust did not show a direct effect. Furthermore, risk perception was found to have a direct significant influence on the use of QRIS, whereas user satisfaction did not mediate the relationship between user convenience, trust, and QRIS use. The findings highlight the importance of addressing risk concerns and enhancing user satisfaction to promote broader QRIS adoption. The study contributes to the growing body of knowledge on digital payment adoption and offers practical insights for improving the user experience, particularly in regions with varying digital literacy and technological infrastructure.
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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’ willingness to adopt QRIS. Trust identified as a critical link between these technological factors and adoption intention. The study aims develop a conceptual framework that highlights trust as a mediator in QRIS adoption. This article provides insights into user experiences, prior studies on QRIS technology, and the implications of its adoption. The findings are intended to help both current and prospective users understand the benefits of QRIS, while emphasizing the importance of building trust to drive wider acceptance.
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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 relationship between customer pleasure and loyalty. Perceived Usefulness, Perceived Flow, Satisfaction, Customer Loyalty, and Adoption Continuity are the variables put to the test. The Generation Z population in Indonesia actively utilizing QRIS in the Bandung and Jabodetabek region serves as the study's sample. Data from 205 samples, categorized as Generation Z, were collected and subjected to descriptive and PLS-SEM analyses. According to the study, perceived usefulness and flow favorably affect satisfaction. Also favorably affecting perceived flow is perceived usefulness. Adoption Continuity is positively impacted by satisfaction and perceived utility. Customer loyalty and adoption continuity both benefit from satisfaction. The results of this study are anticipated to have implications for future research as a valuable point of reference for researchers developing new research studies in the field of marketing, as well as for business owners who already offer or will offer QRIS as a payment method to ensure a smooth payment flow for their customers.
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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 significant effect on Attitude Toward Using, but not on Behavioral Intention to Use. This study identifies QRIS adoption challenges, such as infrastructure limitations, low digital literacy, and people's preference for cash. This research provides strategic recommendations for the government and startups to accelerate QRIS adoption, increase digital inclusion, and prepare for a cross-border payment ecosystem by 2025. By understanding user attitudes and intentions, this study contributes to the development of more inclusive and efficient cashless payment solutions for MSMEs in Indonesia.
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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 users had positive and significant results on interest in using QRIS. Meanwhile, risk perception has negative and significant results on interest in using QRIS
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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 promotion have a positive, while risk has a negative influence on the interest of Gen Z in Indonesia in using the QRIS payment system in E-wallet.
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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 at Pondok Cina Station, Depok, West Java, Indonesia. The results showed that there were more respondents who did not use QRIS with 53.3%, rather than those who used QRIS with 46,7%, although the difference was relatively not large. The biggest reason why merchants still do not use QRIS is that they do not understand how to use it and have encountered difficulty using it. In fact, there are still customers who rarely use it. Nevertheless, meeting high customer demand is one of the most common reasons why merchants use QRIS as a means of payment. Education, gender and age of merchants are aspects that can be researched deeper which are the determining factors for merchants using QRIS. The interview results show that QRIS is able to increase merchants' sales profits. There are several reasons why the respondents do not use QRIS, such as lack of understanding on how to use it, with 19.4%, consumers rarely use QRIS with 22.6%, inconvenience of using it with 22.6%, and making losses with 3.2%.
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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 respondents. Data collection was done through a questionnaire using a five-point Likert scale. Data analysis includes validity, reliability, descriptive statistics, classical assumptions, multiple linear regression, hypothesis testing, and determination coefficient testing. The results showed that the research instruments were valid and reliable. There is a strong correlation between trust and security variables on interest in using, with an influence contribution of 41.8%. These findings indicate that trust and security have a positive and significant effect on interest in using the QRIS payment system in Bandung City.
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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 number are documents of various forms. While the form of articles that researchers want is only in the form of journal articles, so that from a total of 568 only 261 articles are left in the form of journals. The number of such articles will be managed through VOSviewer 1.6.20 software. Of the 268 journal articles, many of them discuss the use of QRIS as a digital payment system in the MSME (Micro, Small and Medium Enterprises) sector. This is very interesting because MSMEs are a small business sector that has limited resources so they lack technological competence, but many studies have explored the use of QRIS in this sector. The use of QRIS, ease of use of QRIS, financial literacy, and the impact of using QRIS are clusters that have been of concern to previous researchers.
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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 not met the target set by Bank Indonesia. This research aims to examine the variables that affect MSMEs players decision to use QRIS and EDC for cashless transactions. In this quantitative research, the variables predictor used are the extended Technology Acceptance Model (TAM) by Davis, with are perceived risk as X1, perceived ease of use as X2, and perceived usefulness as X3. Convenience sampling was the sampling technique utilized, with questionnaires distributed to the 60 MSMEs players throughout Sorong city. Multiple linear regression analysis is used to determine the significance relationship between predictor variables and response variable. The findings demonstrate that there is significant relationship between perceived ease of use and perceived usefulness on the decision of MSMEs players to use QRIS and EDC for cashless payments in their businesses, while the usage decision not significantly affected by the variable of perceived risk. The research's empirical evidences are expected to increase local business literacy and provide a reference for the government and policymakers who make rules about cashless payment systems.
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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 of digital payment systems has not had a significant impact on sales figures. This implementation succeeded in increasing service efficiency and transaction speed. 2). PD digital payment system. Nasep Jaya uses M-Banking, QRIS, and the marketplace platform as a digital payment system through the Shopee e-commerce application. However, economically, more competitive online selling prices provide benefits even though admin discounts of around 3% for Shopee, 0.7% QRIS, and Rp. 6,500 for interbank transfers. The use of M-Banking facilitates transactions efficiently, QRIS provides a faster and easier payment method, while the presence on e-commerce platforms, such as Shopee, expands market reach. 3) Molasses income from molasses using a digital payment system has increased from 2021 before using a digital system to 2022 after using digital by 8%. Digital payment technology is the key to increasing transaction efficiency and stimulating income growth
 Keywords: Digital Payments, Income, MSMEs, Sales
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42

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 for the payment system and updated banners at BUMDes payment counters. QRIS barcodes for the payment system is also made in acrylic stand. Financial services for payment systems are carried out more quickly and are supported by business actors whose competence is increasing and they are getting used to using non-cash transaction.
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43

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 enterprises (MSMEs) engaged in food sales. Based on the results of the analysis that has been conducted, the impact of implementing QRIS during the Covid-19 pandemic is as follows: 1) At first, many merchants and the general public did not fully understand the features and benefits of the QRIS program. Hence, the installation of QRIS-based payment gateways for merchant transactions still experienced obstacles. The use of QRIS has not become common because many individuals still do not have an application to carry out these transactions, and sometimes problems related to QR code inaccuracies also become obstacles. 2) Some MSME merchants agree to use QRIS as a payment method because it is more economical and helps reduce the risk of spreading Covid-19. 3) One of the main advantages of using QRIS is the very low transaction fee, only one rupiah. The use of QRIS also provides convenience because it does not require large amounts of cash, and transactions can be completed quickly and safely without the need to carry cash. In addition, no physical interaction is required, which helps reduce the risk of spreading Covid-19. However, there are several disadvantages to using QRIS, including a limit on the number of transactions of up to 2 million rupiah and problems with an unstable internet connection that can limit the use of this system. This shortage may be unavoidable because using QRIS requires internet access and quota for transactions, and there can also be inventory problems in stores.
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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 data were collected from 220 respondents and analyzed using AMOS. The study examines six variables: trust, perceived usefulness, perceived ease of use, attitude, behavioral intention, and adoption system. Eight hypotheses were tested, all showing significant effects: trust on perceived ease of use, trust on perceived usefulness, perceived ease of use on perceived usefulness, trust on attitude, perceived ease of use on attitude, perceived usefulness on attitude, attitude on behavioral intention, and behavioral intention on the adoption system. The findings suggest that the readiness of MSMEs to adopt QRIS is crucial for accelerating national economic recovery post-COVID-19, particularly for MSMEs in Samarinda. The adoption of QRIS is expected to enhance the efficiency and effectiveness of payment systems, contributing to the overall growth and competitiveness of MSMEs.
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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 the system. This study aims to examine the effect of perceived ease of use, perceived usefulness, perceived security on actual usage through behavioral intention to use as an intervening variable. The type of research used is explanatory research. Sampling was carried out using non-probability techniques with purposive sampling and accidental sampling methods. The population of this study was QRIS users residing permanently or temporarily in Semarang City. Data processing was carried out using the SmartPLS 3.2.9 software. The results of this study showed that perceived ease of use did not influence actual usage, either directly or indirectly. However, perceived usefulness and perceived security have an indirect effect on actual usage. The influence of behavioral intention to use is full mediation on perceived usefulness and perceived security on actual usage.
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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 the system. This study aims to examine the effect of perceived ease of use, perceived usefulness, perceived security on actual usage through behavioral intention to use as an intervening variable. The type of research used is explanatory research. Sampling was carried out using non-probability techniques with purposive sampling and accidental sampling methods. The population of this study was QRIS users residing permanently or temporarily in Semarang City. Data processing was carried out using the SmartPLS 3.2.9 software. The results of this study showed that perceived ease of use did not influence actual usage, either directly or indirectly. However, perceived usefulness and perceived security have an indirect effect on actual usage. The influence of behavioral intention to use is full mediation on perceived usefulness and perceived security on actual usage.
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47

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 means of payment transactions, and the two grocery store MSMEs already have a new payment instrument with non-cash payments.
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48

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 initiatives in the community that focus on QRIS integration for small and medium-sized enterprises. (UMKM). In addition, this PkM will help to expand financial inclusion and inclusive economic growth in Indonesia.
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49

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 techniques are based on primary data and secondary data. Primary data in this research was obtained by conducting observations, interviews, and documentation, while secondary data was obtained through books, previous research, and articles related to research. The purpose of this research is to evaluate the extent to which the implementation of QRIS in the New Canteen at Jakarta State University has succeeded in achieving the initial goal of improving the payment process, understand the positive impacts that have been generated by the use of QRIS, including increased efficiency, transaction security and convenience for users, and identify obstacles. that may arise in implementing QRIS, such as network problems or additional costs, which may affect its effectiveness. From the results of this research, it can be seen that the implementation of QRIS in the New Canteen at Jakarta State University has gone well even though several obstacles need to be corrected, such as a lack of consistency in payment rules and a lack of socialization about QRIS. The Policy and Use of QRIS in the new canteen at Jakarta State University has succeeded in achieving order, efficiency, and security in the payment process, simplifying transactions, reducing dependence on cash, reducing the risk of errors, and increasing sales in the canteen. Although there are challenges such as network problems, inadequate smartphones, and administration costs. It is highly recommended that sellers and managers of the New Jakarta State University Canteen continue to implement quality improvements properly. It is necessary to carry out intensive outreach to students and canteen staff regarding QRIS and how to use it, and it is important to ensure that the QRIS system runs smoothly and safely. Thus, the implementation of QRIS in the New Canteen at Jakarta State University provides significant benefits and has the potential to continue to be improved.
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50

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 QRIS for micro business merchants in Bandung City, with the E-Service Quality and IS Success approaches. In this study, the subjects observed were micro business merchants in Bandung City who used QRIS for their payment system. Respondents were determined based on non-probability sampling with a judgmental sampling technique of 190 respondents. This research uses quantitative methods with an exploratory factor analysis (EFA) approach to categorize and determine what factors make up the dimensions of electronic service quality. The research instrument used a questionnaire with 38 items that referred to the five dimensions of E-Service Quality and two dimensions of IS Success. Based on the research conducted, all the items studied formed three main factors that became measurements of QRIS e-service quality. The first is the responsiveness factor with 14 measurement items. The second is the assurance factor with five measurement items and the third factor is the reliability factor with 17 measurement items.
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