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Journal : COMMICAST

Enhancing merchant participation in QRIS adoption through digital marketing strategies: A case study of BPD Kaltim Kaltara in festival events Rafif Leksono, Agra; Hidayat, Anas
COMMICAST Vol. 6 No. 2 (2025): September
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/commicast.v6i2.13248

Abstract

In Indonesia’s accelerating digital economy, the promotion of cashless payments is central to advancing financial inclusion, particularly through the Quick Response Code Indonesian Standard (QRIS). Despite its growing use, many micros, small, and medium enterprises (MSMEs) remain hesitant to adopt QRIS due to limited digital literacy and trust in digital transactions. This study investigates how PT Bank Pembangunan Daerah Kalimantan Timur and Kalimantan Utara (BPD Kaltim Kaltara) employs digital marketing strategies to increase merchant participation in QRIS during festival events. Adopting a qualitative case study design, data were collected through semi-structured interviews with seven BPD marketing staff and participating vendors, complemented by secondary documentation. The findings reveal that digital marketing, through social media outreach, incentive programs, and integration with the DG by Bankaltimtara application, enhances awareness and engagement. However, adoption is hindered by obstacles such as low digital literacy among older merchants, skepticism regarding transaction security, and infrastructural limitations. These challenges underscore the limited effectiveness of current strategies in reaching all merchant segments. The study concludes that fostering QRIS adoption requires not only promotional efforts but also sustained education, technical assistance, and collaborative partnerships tailored to MSME needs. Theoretically, the research contributes to the discourse on digital marketing and innovation diffusion by highlighting the role of context-specific strategies in financial technology adoption. Practically, it offers insights for policymakers and financial institutions to design more inclusive, trust-building approaches that advance Indonesia’s digital financial ecosystem.
Co-Authors Aditya Ainurrisqi Rais Ahmad Sarifudin Alfath Ibrahim Andestari, Yonada Andika, Binarin Tirto Anisya Rahmadani Ardian Arief Bustaman, Jauhari Arundati, Rahajeng Asmai Ishak, Asmai Ayu Hema Ajeng Diwasasri, Ayu Hema Ajeng Catyanadika, Putra Endi D.C., Vebyola Indah Daffa, Muhammad Dessy Isfianadewi Dicky Firdaus Diego, Nadya Amanda Putri Efandaru, James Fitra, M. Riyanda Ghaissani, Afina Guruh Ghifar Zalzalah Halimah, Titi Harianto, Yohanes Kristianus Hastiar Kurniawan Headystya Wildan Taufiq, Bea Helmy Ilham Nugraha Huszár, Barbara Ibadi, Raden Mohamad Wisnu Isfianadewi, Desy Josephine Roosandriantini Kania Alayda Shafa Karima Tamara Khaerunisa Amalia Sofia, Khaerunisa Amalia Kristianto, Ryan Putranda Kurniawan, Adam Lazuardy, Ilman Taufiq Lhia Dwi Agustin Lhia Dwi Agustin, Lhia Dwi Lutters, Emmanuelle Litania Mazda Halim, Mazda Moh Nasuka Muafi Muhamed, Nurul Aini Muhammad Firdaus Muhammad Suyanto, Muhammad Nanda Pradwiningtyas Nia Yunia Lestari Nugraha, Helmy Ilham Panditatwa, Panduaji Pandu Kusuma Jati Peano, Axioma Phoebe S.P., Bernadeth Chiquita Priskila, Onny Purba, Lasman Parulian Purnama, Rava Fernanda Puteri Lefina, Ziyan Putra Endi Catyanadika Rafif Leksono, Agra Ratna Roostika Ratri, Shafira Fitri Cahyaning Roostika, Raden Roro Ratna Sabellah, Ria Eka Santi Budiman Sari, Cindy Alifia Sari, Weliya Aprita Wulan Setiadi, Widriyakara Setiadi, Y.A. Widriyakara Setiawan, Valerio Sultan Agni Shafira Fitri Cahyaning Ratri Shiddiq, Naufal Moh Siti Nursyamsiah Sri Rejeki Ekasasi, Sri Rejeki Suhada Suhada, Suhada Supardin, Lalu Sutrisno, Sutrisno Tony Wijaya Uswatun Chasanah Utiyati Utiyati Utomo, Ariel Suryo Veisz, Adrienn Windria Khoirunnisaa, Ulfah Yustiani, Sofia Zakky Fahma Auliya