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All Journal Jurnal Bisnis dan Ekonomi
Rinal Pangaribuan
Sekolah Tinggi Ilmu Ekonomi IGI
Economics, Econometrics & Finance

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Penggunaan QRIS Sebagai Instrumen Pembayaran dan Transformasi Digital: Sebuah Literature Review: The Use of QRIS as a Payment Instrument and Its Role in Digital Transformation: A Literature Review Brigitta Esmeralda Wau; Hanny Khairunnisa; Luna Meisya Dewanti; Rinal Pangaribuan; Silpana Monalisa; Zian Fachrian
Jurnal Bisnis dan Ekonomi Vol 4 No 4 (2026): Jurnal Bisnis dan Ekonomi
Publisher : OGZ Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61597/jbe-ogzrp.v4i4.277

Abstract

Abstract: Quick Response Code Indonesian Standard (QRIS) has become a vital digital payment instrument supporting Indonesia's digital transformation for both consumers and MSMEs. Objective: This study examines QRIS usage and its role in digital transformation, particularly regarding MSMEs and consumer behavior. Methodology: Employing a literature review of 15 relevant scholarly articles, the research analyzes implementation, benefits, challenges, technology acceptance, consumer behavior, and economic implications. Research Results: The findings reveal that QRIS enhances transaction convenience and efficiency, drives MSME payment system digitalization, and shifts behavior toward a cashless society. Furthermore, QRIS usage intersects with financial literacy, impulsive buying, and broader economic activities, emphasizing the need to understand it through technological, business, and consumer lenses.  
Co-Authors Brigitta Esmeralda Wau Hanny Khairunnisa Luna Meisya Dewanti Silpana Monalisa Zian Fachrian