Perceptions And Intentions Of MSME Operators Regarding The Use Of QRIS As A Payment System In Medan
Keywords:
Perceived usefulness, Perceived ease of use, Perceived Risk, usage intention, QRIS, MSMEs
Abstract
This study analyzes the perceptions and intentions of Micro, Small, and Medium Enterprise (MSME) operators in Medan regarding the use of QRIS as a digital payment system. Using a qualitative approach, data were collected through in-depth interviews and Focus Group Discussions (FGDs) with MSME operators who had adopted or had yet to adopt QRIS. The findings indicate that perceived Usefulness, ease of use, and risks significantly influence QRIS adoption. MSME operators who recognize transaction efficiency and improved financial record keeping tend to be more receptive to QRIS, while concerns about security and system disruptions remain barriers. Additionally, external factors, such as digital literacy and government support, also contribute to users' intentions to adopt a QRIS. This study emphasizes the need for education and infrastructure improvements to accelerate QRIS adoption among MSMEs.
References
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Auliya, P. and Arransyah, M. (2023). Penerapan model utaut untuk mengetahui minat perilaku konsumen dalam penggunaan qris. Ekonomi Keuangan Investasi Dan Syariah (Ekuitas), 4(3), 885-892. https://doi.org/10.47065/ekuitas.v4i3.2808
Ayuningtyas, A., Adinugraha, H., & Sulthoni, M. (2024). Quick response code indonesian standard as a digital payment solution to increase the turnover and reduce the circulation of counterfeit money. jeca, 1(1), 25-31. https://doi.org/10.69693/jeca.v1i1.7
Butarbutar, N., Grace, E., Putra, L., Loist, C., & Sudirman, A. (2022). Behavioral intention constituent analysis of qris digital payment tools in msmes in pematangsiantar city. Ideas Jurnal Pendidikan Sosial Dan Budaya, 8(4), 1537. https://doi.org/10.32884/ideas.v8i4.1023
Dewi, G. A. D. C., Jayawarsa, A. K., & Wulandari, I. G. A. A (2022). The effect of trust use, benefits and risks on the use of qris in students. Journal of Economics Finance and Management Studies, 05(07). https://doi.org/10.47191/jefms/v5-i7-29
Erwinsyah, E., Ningsih, K., Syahruddin, S., & Anjelita, K. (2023). Pengaruh persepsi kemudahan penggunaan dan persepsi kegunaan terhadap niat untuk menggunakan dan penggunaan aktual teknologi pembayaran digital qris. Jurnal Ekonomi & Manajemen Indonesia, 23(1), 22-36. https://doi.org/10.53640/jemi.v23i1.1337
Faisal, C., Syafruddin, A., Zhafir, K., & Simanjuntak, E. (2024). The adoption of an integrated qr code payment system of indonesian msme: an extended tam approach. International Journal of Social Health, 3(3), 199-204. https://doi.org/10.58860/ijsh.v3i3.167
Judijanto, L. and Husnayetti, H. (2024). The effect of financial literacy, digital literacy, and information security on qris adoption among students in banten. West Science Accounting and Finance, 2(02), 310-320. https://doi.org/10.58812/wsaf.v2i02.1049
Jusman, J. and Fauziah, I. (2024). Receptiveness of qris as a digital payment among msme in palopo city. Interdiciplinary Journal and Hummanity (Injurity), 3(10), 718-728. https://doi.org/10.58631/injurity.v3i10.1234
Mareta, Y. and Meiryani, M. (2023). Determinants of interest using qris as a payment technology for e-wallet by z generation in indonesia. Syntax Literate Jurnal Ilmiah Indonesia, 8(2), 800. https://doi.org/10.36418/syntax-literate.v8i2.11175
Nadinta, P. and Kusumawati, N. (2023). Influence of qris payment customer satisfaction towards customer loyalty and continuity. Journal of Consumer Studies and Applied Marketing, 1(1), 61-66. https://doi.org/10.58229/jcsam.v1i1.52
Natswa, S. and Subagyo, S. (2024). Gen z's cashless behavior: how qris moderating digital financial literacy and spending behavior affects on e-wallet utilization?. Kne Social Sciences. https://doi.org/10.18502/kss.v9i4.15078
Paramita, E. and Cahyadi, E. (2024). The determinants of behavioral intention and use behavior of qris as digital payment method using extended utaut model. Indonesian Journal of Business and Entrepreneurship. https://doi.org/10.17358/ijbe.10.1.132
Permatasari, R., Amboro, F., & Nurlaily, N. (2022). Efektivitas penerapan transaksi qris era covid-19 di pasar tradisional kota batam menurut perspektif hukum progresif. Al-Manhaj Jurnal Hukum Dan Pranata Sosial Islam, 4(2), 265-278. https://doi.org/10.37680/almanhaj.v4i2.1780
Pramuja, R., Wibowo, A., & Suhermanto, D. (2021). The driving factors of public’s interest in the use of qris to achieve cashless society. Optimum Jurnal Ekonomi Dan Pembangunan, 11(2), 181. https://doi.org/10.12928/optimum.v11i2.4656
Pratiwi, P., Mata, R., & Anwar, P. (2022). Study on the effectiveness of bank indonesia’s qris payment system policy office of east nusa tenggara province in supporting msme economic growth., 354-359. https://doi.org/10.2991/978-2-494069-83-1_64
Prihatiningsih, D., Huzaini, M., & Hidayat, A. (2023). Factors affecting interest in use qris bsi on generation z muslims in west nusa tenggara province. International Journal of Social Science and Human Research, 6(10). https://doi.org/10.47191/ijsshr/v6-i10-17
Primandari, I. and Suprapti, N. (2022). Role of trust mediates the effect of perceived ease of use of use and perceived risk on intention to re-use qris payment methods. International Journal of Business Economics & Management, 5(3), 201-210. https://doi.org/10.21744/ijbem.v5n3.1942
Puspitasari, A. and Salehudin, I. (2022). Quick response indonesian standard (qris): does government support contribute to cashless payment system long-term adoption?. Journal of Marketing Innovation (Jmi), 2(1). https://doi.org/10.35313/jmi.v2i1.29
PUTRI, N., KAWISANA, P., & Sutapa, I. (2023). The influence of perceived ease and risk of use and financial literacy on decisions to make transactions using qris in smes in south denpasar. Journal of Tourism Economics and Policy, 3(1), 70-74. https://doi.org/10.38142/jtep.v3i1.583
Rafdinal, W. and Senalasari, W. (2021). Predicting the adoption of mobile payment applications during the covid-19 pandemic. The International Journal of Bank Marketing, 39(6), 984-1002. https://doi.org/10.1108/ijbm-10-2020-0532
Rudolf, A. (2024). Analysis of the influence of consumer trust, perceived benefits, and usage risks on qris user satisfaction with ease of use as a mediating variable: a case study of jatinegara district, East Jakarta. Journal of Economics Finance and Management Studies, 07(10). https://doi.org/10.47191/jefms/v7-i10-53
Safitri, A. and Fihartini, Y. (2024). The influence of perceived ease of use and security on qris usage decisions among the community in lampung province. ePaper Bisnis, 1(4), 189-198. https://doi.org/10.61132/epaperbisnis.v1i4.145
Saripudin, S., Ernawati, D., & Yuniarti, R. (2024). Exploring the impact of attitudes, behavior, and perceptions on millennials' adoption of qris payment systems. Journal of Economics Finance and Management Studies, 07(09). https://doi.org/10.47191/jefms/v7-i2-22
Sholihah, E. and Nurhapsari, R. (2023). Percepatan implementasi digital payment pada umkm: intensi pengguna qris berdasarkan technology acceptance model. Nominal Barometer Riset Akuntansi Dan Manajemen, 12(1), 1-12. https://doi.org/10.21831/nominal.v12i1.52480
Silaen, M., Manurung, S., & Nainggolan, C. (2021). Effect analysis of benefit perception, ease perception, security and risk perception of merchant interest in using quick response indonesia standard (qris). International Journal of Science Technology & Management, 2(5), 1574-1581. https://doi.org/10.46729/ijstm.v2i5.313
Sochiffan, D. (2022). Kepercayaan wajib pajak dalam pembayaran pajak menggunakan qris melalui technology acceptance model (tam) pada dinas pendapatan daerah kota samarinda. Jurnal Riset Pembangunan, 5(1), 33-44. https://doi.org/10.36087/jrp.v5i1.117
Suparti, K., Srinadi, I., & NILAKUSMAWATI, D. (2024). Factors affecting the low interest in using qris as a non- cash payment method. International Journal of Social Science and Human Research, 7(07). https://doi.org/10.47191/ijsshr/v7-i07-78
Tatian, C., Nurabiah, N., Ridhawati, R., & Thảo, H. (2024). From wallets to screens: exploring the determinants of qris payment adoption among millennials in eastern indonesia. Jema Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 21(1), 87-113. https://doi.org/10.31106/jema.v21i1.21712
Usmiati, U., Huda, N., & Claudia, M. (2024). Qris, blockchain, ai, and iot: enhancing e-commerce transaction security. ICOBUSS, 1013-1023. https://doi.org/10.24034/icobuss.v4i1.584
Wardhani, R., Arkeman, Y., & Ermawati, W. (2023). The impact of quick response adoption of payment code on msmes’ financial performance in indonesia. International Journal of Social Service and Research, 3(3), 869-878. https://doi.org/10.46799/ijssr.v3i3.294
Wicaksono, A., Yuniawan, F., & Dirgantara, I. (2024). User satisfaction to continuous usage on qris payment: role of qris contactless payment quality. Media Ekonomi Dan Manajemen, 39(2), 300. https://doi.org/10.56444/mem.v39i2.4804
Wijayanto, E., Martia, D., Adhi, N., & Rikawati, R. (2024). 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(1), 165-176. https://doi.org/10.55927/fjst.v3i1.7499
Wijayanto, E., Widiyati, S., Rois, M., Listyani, T., & Fatati, M. (2024). Application of the tam model and financial literacy in qris digital payment decisions (study on semarang state polytechnic students). International Journal of Research -Granthaalayah, 11(12). https://doi.org/10.29121/granthaalayah.v11.i12.2023.5436
Auliya, P. and Arransyah, M. (2023). Penerapan model utaut untuk mengetahui minat perilaku konsumen dalam penggunaan qris. Ekonomi Keuangan Investasi Dan Syariah (Ekuitas), 4(3), 885-892. https://doi.org/10.47065/ekuitas.v4i3.2808
Ayuningtyas, A., Adinugraha, H., & Sulthoni, M. (2024). Quick response code indonesian standard as a digital payment solution to increase the turnover and reduce the circulation of counterfeit money. jeca, 1(1), 25-31. https://doi.org/10.69693/jeca.v1i1.7
Butarbutar, N., Grace, E., Putra, L., Loist, C., & Sudirman, A. (2022). Behavioral intention constituent analysis of qris digital payment tools in msmes in pematangsiantar city. Ideas Jurnal Pendidikan Sosial Dan Budaya, 8(4), 1537. https://doi.org/10.32884/ideas.v8i4.1023
Dewi, G. A. D. C., Jayawarsa, A. K., & Wulandari, I. G. A. A (2022). The effect of trust use, benefits and risks on the use of qris in students. Journal of Economics Finance and Management Studies, 05(07). https://doi.org/10.47191/jefms/v5-i7-29
Erwinsyah, E., Ningsih, K., Syahruddin, S., & Anjelita, K. (2023). Pengaruh persepsi kemudahan penggunaan dan persepsi kegunaan terhadap niat untuk menggunakan dan penggunaan aktual teknologi pembayaran digital qris. Jurnal Ekonomi & Manajemen Indonesia, 23(1), 22-36. https://doi.org/10.53640/jemi.v23i1.1337
Faisal, C., Syafruddin, A., Zhafir, K., & Simanjuntak, E. (2024). The adoption of an integrated qr code payment system of indonesian msme: an extended tam approach. International Journal of Social Health, 3(3), 199-204. https://doi.org/10.58860/ijsh.v3i3.167
Judijanto, L. and Husnayetti, H. (2024). The effect of financial literacy, digital literacy, and information security on qris adoption among students in banten. West Science Accounting and Finance, 2(02), 310-320. https://doi.org/10.58812/wsaf.v2i02.1049
Jusman, J. and Fauziah, I. (2024). Receptiveness of qris as a digital payment among msme in palopo city. Interdiciplinary Journal and Hummanity (Injurity), 3(10), 718-728. https://doi.org/10.58631/injurity.v3i10.1234
Mareta, Y. and Meiryani, M. (2023). Determinants of interest using qris as a payment technology for e-wallet by z generation in indonesia. Syntax Literate Jurnal Ilmiah Indonesia, 8(2), 800. https://doi.org/10.36418/syntax-literate.v8i2.11175
Nadinta, P. and Kusumawati, N. (2023). Influence of qris payment customer satisfaction towards customer loyalty and continuity. Journal of Consumer Studies and Applied Marketing, 1(1), 61-66. https://doi.org/10.58229/jcsam.v1i1.52
Natswa, S. and Subagyo, S. (2024). Gen z's cashless behavior: how qris moderating digital financial literacy and spending behavior affects on e-wallet utilization?. Kne Social Sciences. https://doi.org/10.18502/kss.v9i4.15078
Paramita, E. and Cahyadi, E. (2024). The determinants of behavioral intention and use behavior of qris as digital payment method using extended utaut model. Indonesian Journal of Business and Entrepreneurship. https://doi.org/10.17358/ijbe.10.1.132
Permatasari, R., Amboro, F., & Nurlaily, N. (2022). Efektivitas penerapan transaksi qris era covid-19 di pasar tradisional kota batam menurut perspektif hukum progresif. Al-Manhaj Jurnal Hukum Dan Pranata Sosial Islam, 4(2), 265-278. https://doi.org/10.37680/almanhaj.v4i2.1780
Pramuja, R., Wibowo, A., & Suhermanto, D. (2021). The driving factors of public’s interest in the use of qris to achieve cashless society. Optimum Jurnal Ekonomi Dan Pembangunan, 11(2), 181. https://doi.org/10.12928/optimum.v11i2.4656
Pratiwi, P., Mata, R., & Anwar, P. (2022). Study on the effectiveness of bank indonesia’s qris payment system policy office of east nusa tenggara province in supporting msme economic growth., 354-359. https://doi.org/10.2991/978-2-494069-83-1_64
Prihatiningsih, D., Huzaini, M., & Hidayat, A. (2023). Factors affecting interest in use qris bsi on generation z muslims in west nusa tenggara province. International Journal of Social Science and Human Research, 6(10). https://doi.org/10.47191/ijsshr/v6-i10-17
Primandari, I. and Suprapti, N. (2022). Role of trust mediates the effect of perceived ease of use of use and perceived risk on intention to re-use qris payment methods. International Journal of Business Economics & Management, 5(3), 201-210. https://doi.org/10.21744/ijbem.v5n3.1942
Puspitasari, A. and Salehudin, I. (2022). Quick response indonesian standard (qris): does government support contribute to cashless payment system long-term adoption?. Journal of Marketing Innovation (Jmi), 2(1). https://doi.org/10.35313/jmi.v2i1.29
PUTRI, N., KAWISANA, P., & Sutapa, I. (2023). The influence of perceived ease and risk of use and financial literacy on decisions to make transactions using qris in smes in south denpasar. Journal of Tourism Economics and Policy, 3(1), 70-74. https://doi.org/10.38142/jtep.v3i1.583
Rafdinal, W. and Senalasari, W. (2021). Predicting the adoption of mobile payment applications during the covid-19 pandemic. The International Journal of Bank Marketing, 39(6), 984-1002. https://doi.org/10.1108/ijbm-10-2020-0532
Rudolf, A. (2024). Analysis of the influence of consumer trust, perceived benefits, and usage risks on qris user satisfaction with ease of use as a mediating variable: a case study of jatinegara district, East Jakarta. Journal of Economics Finance and Management Studies, 07(10). https://doi.org/10.47191/jefms/v7-i10-53
Safitri, A. and Fihartini, Y. (2024). The influence of perceived ease of use and security on qris usage decisions among the community in lampung province. ePaper Bisnis, 1(4), 189-198. https://doi.org/10.61132/epaperbisnis.v1i4.145
Saripudin, S., Ernawati, D., & Yuniarti, R. (2024). Exploring the impact of attitudes, behavior, and perceptions on millennials' adoption of qris payment systems. Journal of Economics Finance and Management Studies, 07(09). https://doi.org/10.47191/jefms/v7-i2-22
Sholihah, E. and Nurhapsari, R. (2023). Percepatan implementasi digital payment pada umkm: intensi pengguna qris berdasarkan technology acceptance model. Nominal Barometer Riset Akuntansi Dan Manajemen, 12(1), 1-12. https://doi.org/10.21831/nominal.v12i1.52480
Silaen, M., Manurung, S., & Nainggolan, C. (2021). Effect analysis of benefit perception, ease perception, security and risk perception of merchant interest in using quick response indonesia standard (qris). International Journal of Science Technology & Management, 2(5), 1574-1581. https://doi.org/10.46729/ijstm.v2i5.313
Sochiffan, D. (2022). Kepercayaan wajib pajak dalam pembayaran pajak menggunakan qris melalui technology acceptance model (tam) pada dinas pendapatan daerah kota samarinda. Jurnal Riset Pembangunan, 5(1), 33-44. https://doi.org/10.36087/jrp.v5i1.117
Suparti, K., Srinadi, I., & NILAKUSMAWATI, D. (2024). Factors affecting the low interest in using qris as a non- cash payment method. International Journal of Social Science and Human Research, 7(07). https://doi.org/10.47191/ijsshr/v7-i07-78
Tatian, C., Nurabiah, N., Ridhawati, R., & Thảo, H. (2024). From wallets to screens: exploring the determinants of qris payment adoption among millennials in eastern indonesia. Jema Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 21(1), 87-113. https://doi.org/10.31106/jema.v21i1.21712
Usmiati, U., Huda, N., & Claudia, M. (2024). Qris, blockchain, ai, and iot: enhancing e-commerce transaction security. ICOBUSS, 1013-1023. https://doi.org/10.24034/icobuss.v4i1.584
Wardhani, R., Arkeman, Y., & Ermawati, W. (2023). The impact of quick response adoption of payment code on msmes’ financial performance in indonesia. International Journal of Social Service and Research, 3(3), 869-878. https://doi.org/10.46799/ijssr.v3i3.294
Wicaksono, A., Yuniawan, F., & Dirgantara, I. (2024). User satisfaction to continuous usage on qris payment: role of qris contactless payment quality. Media Ekonomi Dan Manajemen, 39(2), 300. https://doi.org/10.56444/mem.v39i2.4804
Wijayanto, E., Martia, D., Adhi, N., & Rikawati, R. (2024). 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(1), 165-176. https://doi.org/10.55927/fjst.v3i1.7499
Wijayanto, E., Widiyati, S., Rois, M., Listyani, T., & Fatati, M. (2024). Application of the tam model and financial literacy in qris digital payment decisions (study on semarang state polytechnic students). International Journal of Research -Granthaalayah, 11(12). https://doi.org/10.29121/granthaalayah.v11.i12.2023.5436
Published
2025-03-03
How to Cite
Aulia Safrin, F., & Harahap, K. (2025). Perceptions And Intentions Of MSME Operators Regarding The Use Of QRIS As A Payment System In Medan. International Journal of Economics, Business and Innovation Research, 4(02), 587-603. https://doi.org/10.63922/ijebir.v4i02.1629
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