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All Journal Jurnal Publikasi Ekonomi dan Akuntansi
Kinanti Weninggalih
Universitas Pendidikan Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Determinan Minat Penggunaan QRIS dalam Sistem Pembayaran Digital: Systematic Literature Review Kinanti Weninggalih; Alya Nur Azizah; Nanda Auliya
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 3 (2026): September : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i3.7304

Abstract

This study was motivated by the rapid development of digital payment systems in Indonesia, particularly the Quick Response Code Indonesian Standard (QRIS) as a cashless transaction tool that supports increased financial inclusion. This significant development indicates a fundamental shift in public behavior regarding transactions, which is increasingly moving toward the use of modern digital technology. Consequently, this study aims to identify and analyze the key determinants influencing public interest in using QRIS based on a thorough review of prior literature. The method used is a Systematic Literature Review (SLR) employing the PRISMA approach on articles retrieved from Google Scholar published during the 2020–2025 period. The selection process was conducted systematically through the specific stages of identification, screening, and quality assessment, resulting in highly relevant articles for analysis. The results clearly indicate that perceived utility and perceived ease of use are dominant factors influencing interest in using QRIS. Furthermore, other essential factors such as security, consumer trust, perceived risk, financial literacy, and social influence also make significant contributions to driving wider QRIS adoption. Ultimately, these findings confirm that the final decision to use QRIS is influenced not only by practical functional aspects but also by users’ complex psychological and social factors.
Co-Authors Alya Nur Azizah Nanda Auliya