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All Journal Jurnal Manajemen Jurnal Riset Entrepreneurship Scientica: Jurnal Ilmiah Sains dan Teknologi Journal of Micro, Small and Medium Enterprises
Fauziah, Farah
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Journal : Jurnal Manajemen

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MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance Fauziah, Farah; Made Sudarma; Erwin Saraswati
Jurnal Manajemen Vol. 29 No. 2 (2025): June 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v29i2.2681

Abstract

This study is using a combination of TAM and TPB to explore the intention to use QRIS electronic payments among SMEs in Malang. The sample was collected through a survey and a representative sample of 155 SMEs was obtained. This study used SEM-PLS to analyze the construct model. The results stated that perceived usefulness, subjective norms and digital literacy significantly affect the intention to be using QRIS electronic payments. The results also show that intention to use QRIS and digital literacy significantly affect digital transformation. Interestingly, perceived convenience has the opposite effect in this study. Other factors influencing the adoption of electronic payments by SMEs and their impact on digital transformation should be explored in the future. This study should help to understand and enrich the theoretical framework so that it can be applied to increase the use of digital payments QRIS and increase digital transformation in the SME sector.
Co-Authors Ahmad Taufik Erwin Saraswati Gema Wibawa Mukti Made Sudarma