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All Journal JURNAL MANAJEMEN MOTIVASI
July Elvia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Kesenjangan Adopsi QRIS dan Inklusi Keuangan di Indonesia: Peran Kecerdasan Budaya dan Peran Pemerintah Yuwono, Wisnu; July Elvia; Budiman, Johny
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9466

Abstract

This study examines QRIS adoption and financial inclusion in Indonesia, with cultural intelligence as a mediator and government role as a moderator. A survey of 210 QRIS users was analysed using PLS-SEM. QRIS adoption positively affected financial inclusion and cultural intelligence, while cultural intelligence positively affected financial inclusion. However, the indirect effect through cultural intelligence was not significant (β = 0.117; p = 0.219), nor was government moderation (β = 0.053; p = 0.285). The findings highlight cultural readiness in digital financial inclusion, while the proposed mediation and moderation were unsupported.
Co-Authors Johny Budiman