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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Doktor Manajemen (JDM) Jurnal Review Pendidikan dan Pengajaran (JRPP) Dinasti International Journal of Digital Business Management Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Kewarganegaraan Journal Of Human And Education (JAHE) Jurnal Manajemen dan Bisnis JAKPI Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Jurnal Multidisiplin West Science Indonesian Journal Economic Review (IJER) West Science Business and Management West Science Journal Economic and Entrepreneurship Jurnal Bisnis dan Manajemen West Science West Science Interdisciplinary Studies West Science Interdisciplinary Studies E-Amal: Jurnal Pengabdian Kepada Masyarakat Jurnal Pendidikan dan Kebudayaan Nusantara Dinasti Information and Technology Jurnal Pengabdian Masyarakat dan Penelitian Terapan
Siti Annisa Wahdiniawati, Siti Annisa
Mahasiswa Sekolah Pascasarjana Fakultas Ekonomi dan Manajemen, IPB
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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QRIS Adoption Intention for MSMEs in Indonesia: Integration of Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) to Accelerate Digital Transformation Wahdiniawati, Siti Annisa; Randyantini, Vely; Apriani, Ari; Saputri, Ika Puji
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5674

Abstract

The urgency of this research is to be carried out considering the low adoption of QRIS among MSMEs in Indonesia (only 46.4% of 65 million MSMEs), even though QRIS offers cost efficiency, market expansion, and transaction transparency. This low penetration has the potential to hamper the financial inclusion and competitiveness targets of MSMEs in the 2024 Digital Indonesia roadmap. The purpose of the study was to analyze the dominant factors of QRIS adoption intention through the integration of Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB), combining psychological variables (attitude), technological perception (perceived ease of use, perceived usefulness), social factors (subjective norm), and perceived behavioral control. The method used is mixed methods by distributing questionnaires to MSMEs that have not yet adopted QRIS in Greater Jakarta (PLS analysis) and in-depth interviews with 7 MSME actors to uncover structural (infrastructure, digital literacy) and cultural barriers (non-cash transaction resistance). The sample of this study is 140 business actors who have not used QRIS. The results of the interview concluded that perceived cost is an obstacle for MSME actors not to use QRIS, then it is lowered to a research variable and included in the research model. The findings of this study are that perceived ease of use and perceived usefulness have a positive and significant effect on attitude, perceived cost, attitude, perceived behavioral control have a positive and significant effect on intention to use, while subjective norms have no effect on intention to use. Furthermore, attitude can mediate the influence of perceived ease of use and perceived usefulness on intention to use.
Co-Authors . Syamsulbahri Abdul Rasyid Adiazmil, Aan Ahmad Muktamar B Amalia, Mekar Meilisa Anjarwati, Sri Apriani, Ari Apriyanto, Apriyanto Ari Sulistyowati, Ari Arini, Rani Eka Basuki, Carola Budiarto, Balla Wahyu Christina Catur Widayati Dewi Untari Didin Hikmah Perkasa Didin Sjarifudin, Didin Dila Erlianti Endah Pujiastuti Faizal Faizal Fatimah Malini Lubis Fatmawati Fatmawati Fatmawati, Fatmawati Febrian, Wenny Desty Firman Dera Gamar Al Haddar Haryadi - Hendy Tannady Hernawan, Moch Arif Immamah, Eka Jatmiko Murdiono Judijanto, Loso Juliater Simamarta Jusdienar, Akka Latifah Magdalena Magdalena Magita, Magita Magito, Magito Mardikawati, Budi Meliantari, Dian Muhamad Ridhayantho, Muhamad Muhammad Hanafi Muhammad Syafri, Muhammad Naik Henokh Parmenas Nampira, Ardi Azhar Nur Ayu Nuraeni Nurdiani, Tanti Widia Nurhayati P. Karo-karo, Alex Pahrijal, Rival Primadi Candra Susanto Randyantini, Vely Rasyid, Rulyenzi Rejeki, Marsudi Endang Sri Renggaala, Nuniek Yuniarti Ningsih Rita Mulyanti Rufi'i Rustiawan, Indra Sabalius Uhai Santoso, Muhammad Hery Saputri, Ika Puji Sari, Vina Budiarti Mustika Saryanto Saryanto Setyowati Subroto Sono, Moh Gifari Sri Rejeki Subroto, Desty Endrawati Sugeng, Margono suryawan, ryan firdiansyah Suryo Sulistyo Syarifuddin, Surya Wahyuningratna, Ratu Nadya Wandanaya, Anita Bawaiqki Yahya, Afif Syarifudin