Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal ECOBIZTECH: Journal of Economics, Business, and Technology
Vivi Yosefri Yanti
Universitas Muhammadiyah Muara Bungo, Bungo, Jambi, Indonesia

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QRIS adoption, cashless transactions, and financial inclusion in Indonesia: a systematic literature review Satrio Pinandito; Vivi Yosefri Yanti
ECOBIZTECH: Journal of Economics, Business, and Technology Vol. 1 No. 2 (2026): ECOBIZTECH: Journal of Economics, Business, and Technology - September
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/ecobiztech.v1i2.120

Abstract

Purpose: to systematically review the existing literature on the QRIS in Indonesia by identifying the determinants of QRIS adoption, examining its impact on cashless transactions, and analyzing its contribution to financial inclusion. Method: this study employed a PRISMA-based systematic literature review (SLR) of 120 articles published between 2022 and 2026. The selected studies were synthesized through descriptive and bibliometric analyses using VOSviewer. Findings: QRIS adoption is influenced by perceived usefulness, perceived ease of use, trust, social influence, and financial literacy. Furthermore, QRIS contributes to increasing cashless transactions, improving transaction efficiency, supporting MSME digitalization, and expanding financial inclusion in Indonesia. Bibliometric analysis shows that QRIS research has evolved from technology acceptance studies to broader discussions of digital transformation and inclusive finance. Implications: by integrating QRIS research findings and offering insights for policymakers, financial institutions, and digital payment providers to increase QRIS adoption, strengthen the cashless ecosystem, and promote financial inclusion in Indonesia. Originality: this study makes a novel contribution by integrating evidence on QRIS adoption, cashless transactions, and financial inclusion into a single PRISMA-based systematic literature review, providing a comprehensive perspective largely absent from previous studies on the Indonesian context.
Digital payment systems in MSMEs: a systematic literature review of the digital business ecosystem Rizky Falentino; Vivi Yosefri Yanti
ECOBIZTECH: Journal of Economics, Business, and Technology Vol. 1 No. 2 (2026): ECOBIZTECH: Journal of Economics, Business, and Technology - September
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/ecobiztech.v1i2.122

Abstract

Purpose: to systematically review the role of digital payment systems in supporting the digital business ecosystem of MSMEs by identifying research trends, types of digital payment technologies, and their impacts on MSME development and performance. Method: this study employed a systematic literature review (SLR) to analyze prior research on the role of digital payments in the digital business ecosystem for MSMEs. Data were collected from Google Scholar using Publish or Perish and analyzed through thematic and bibliometric analysis with VOSviewer. Findings: digital payment systems play a strategic role in supporting the digital business ecosystem of MSMEs by improving transaction efficiency, expanding market access, enhancing operational performance, and accelerating digital transformation. E-wallets, QRIS, and mobile banking are the most widely adopted digital payment methods, while digital literacy, financial literacy, and technological readiness remain key factors in successful adoption. Implications: to a broader understanding of digital payments as strategic enablers of the MSME digital business ecosystem. The findings provide insights for MSMEs, policymakers, financial institutions, and technology providers to develop strategies that strengthen digital payment adoption and support sustainable digital transformation. Originality: this study highlights digital payments as strategic drivers of the MSME digital business ecosystem by integrating perspectives on digital transformation and business development through an SLR approach.
Co-Authors Rizky Falentino Satrio Pinandito