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All Journal Judikatif: Jurnal Desain Komunikasi Kreatif Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis
Dian Fitriarni Sari
ISI Padangpanjang
Arts Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Industrial & Manufacturing Engineering

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Positioning QRIS Within Global Retail Payment Systems: Comparative and Regulatory Perspectives Dian Fitriarni Sari; Dwi Bayinah Wulandari; Innaniar Kultsum
MARGIN ECO Vol. 10 No. 1 (2026): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : LPPM Universitas KH A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margineco.v10i1.7069

Abstract

The transformation of digital payment systems is driving cross-border transactions. This study analyses the position of QRIS as Indonesia’s national digital payment standard within the global landscape of retail payment systems, using qualitative methods with a comparative and regulatory approach. This approach is employed to compare the regulatory structure, operational model and governance of QRIS with other global payment systems. The main variables in this study include the regulatory framework for payment systems, transaction cost efficiency, system interoperability, cross-border settlement mechanisms, digital and regulatory sovereignty, and cross-jurisdictional supervisory integration. This study contributes to the literature on how QRIS is strategically positioned within the dynamics and structure of the international payment system as a national QR-based payment standard, and expands cross-border schemes through Regional Payment Connectivity and Local Currency Transactions. QRIS has the potential to serve as a strategic alternative to global infrastructure through cost efficiency, high interoperability, and local currency-based settlement.
Reducing Older Generations’ Apprehension Toward QRIS in Traditional Markets: A Visual Communication Approach DIAN FITRIARNI SARI; Rizky Alfadly; Amy Maulid; Yasha Langitta Setiawan; Deby Gemysa Faradiba
Judikatif: Jurnal Desain Komunikasi Kreatif Vol. 8 No. 1 (2026): June Issue
Publisher : fakultas Desain Komunikasi Visual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35134/judikatif.v8i1.282

Abstract

The adoption of QRIS in traditional markets remains uneven, particularly among older generations who experience low digital literacy and high levels of technology anxiety. These barriers are not solely technical but are strongly influenced by psychological factors such as fear of making transaction errors and lack of trust in digital payment systems. This study aims to develop a visual communication strategy to reduce apprehension and improve QRIS adoption among elderly users in traditional market settings. This research employs a qualitative approach using AIDA (Attention, Interest, Desire, Action) model to identify key issues derived from interviews, observations, and open-ended questionnaires. The findings are then translated into design solutions using the AIDA model as a framework for structuring communication strategies. The results indicate that visual communication design plays a significant role in bridging the gap between technological complexity and user understanding. By applying clear visual hierarchy, simplified information flow, trust-building messages, and step-by-step instructional visuals, the proposed design effectively addresses cognitive and emotional barriers. The study concludes that a behavior-oriented visual communication approach contributes to enhancing perceived ease of use and user confidence, reducing technology anxiety, and strengthening behavioral intention to adopt QRIS.
Co-Authors Amy Maulid Deby Gemysa Faradiba Dwi Bayinah Wulandari Innaniar Kultsum Rizky Alfadly Yasha Langitta Setiawan