Determinants of the Adoption of QRIS as a Digital Payment System amongst MSMEs
Keywords:
Adoption, Digital Payment System, Government Support, MSMEs, QRISAbstract
The rapid development of digital payment technologies has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt the Quick Response Code Indonesian Standard (QRIS) as a more efficient transaction system. However, the level of QRIS adoption among MSMEs remains uneven due to various technological, organizational, and environmental factors. This study aims to examine the determinants influencing the adoption of QRIS among MSMEs. A quantitative research approach was employed using a structured questionnaire distributed to MSME owners, and the collected data were analyzed using Structural Equation Modeling (SEM). The findings reveal that perceived usefulness, perceived ease of use, facilitating conditions, trust, and government support significantly influence QRIS adoption, with perceived usefulness emerging as the strongest predictor. The study concludes that strengthening digital literacy, improving technological infrastructure, and enhancing institutional support are essential to accelerate QRIS adoption and promote sustainable digital transformation among MSMEs
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