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All Journal Proceedings of International Conference on Multidiciplinary Research Mimbar Agama Budaya Jurnal Ilmiah Pendidikan Holistik (JIPH) Cendekia: Jurnal Kependidikan dan Kemasyarakatan International Journal of Integrative Sciences International Journal of Scientific Multidisciplinary Research (IJSMR) Seminar Nasional Teknologi dan Multidisiplin Ilmu The Journal of Artificial Intelligence and Development International Assulta of Research and Engagement EDUJAVARE: International Journal of Educational Research LogicLink: Journal of Artificial Intelligence and Multimedia in Informatics International Journal of Islamic Educational Research Journal of Social Studies and Education Global Education : International Journal of Educational Sciences and Languages Educational Dynamics: International Journal of Education and Social Sciences Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Lingua Technica: Journal of Digital Literary Studies International Journal for Advanced Research Journal of Governance and Global Studies
Zohaib Hassan Sain
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Public Health Social Sciences Other

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Journal : International Journal for Advanced Research

 1 
Behavioral and Institutional Perspectives on QRIS Adoption among MSMEs in Indonesia: A Qualitative Descriptive Study Dedi Harianto; Ahmad; Zohaib Hassan Sain
International Journal of Advanced Research Vol. 2 No. 5: February 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/kfs09s62

Abstract

The rapid development of digital payment systems has transformed financial transactions among micro, small, and medium enterprises (MSMEs) in Indonesia. One of the most significant innovations is Quick Response Code Indonesian Standard (QRIS), which aims to promote payment efficiency and financial inclusion. This study explores behavioral and institutional perspectives on QRIS adoption among MSMEs in Indonesia using a qualitative descriptive approach. Data were collected through in-depth interviews with MSME owners across various business sectors, supported by interviews with relevant institutional stakeholders and analysis of policy documents related to QRIS implementation. The data were analyzed using thematic analysis to identify key patterns and recurring themes. The findings reveal that MSMEs’ adoption of QRIS is strongly influenced by behavioral factors such as perceived ease of use, transaction convenience, customer demand, and trust in digital payment systems. In addition, institutional factors including government support, banking infrastructure, socialization programs, and regulatory frameworks play a crucial role in encouraging QRIS utilization. However, challenges remain, particularly related to digital literacy gaps, internet accessibility, and concerns over transaction fees and technical disruptions. This study contributes to the growing literature on digital payment adoption in developing economies by providing contextual insights into how behavioral and institutional dynamics shape MSMEs’ engagement with QRIS. The findings offer practical implications for policymakers, financial institutions, and stakeholders in designing more inclusive digital payment strategies and strengthening MSMEs’ participation in the digital economy.
Co-Authors Aep Saepuloh Ahmad Ajid Thohir Ansori Arnes Yuli Vandika Arozatulo Bawamenew Asfahani Asfahani Baharun, Hasan Chanda Chansa Thelma Dedi Gunawan Saputra Dedi Harianto Hariman Surya Siregar Hendri Hermawan Adi Nugraha Iis Susiawati Lailis Zakiyah Loso Judijanto Luqman Syakirunni’am M. Anwar Aini M. Aqil Fahmi Sanjani Mahmudin, Tono Mariana Mariana Muslem Daud Nur Hasbi Nurulannisa Binti Abdullah Nyak Mutia Ismail Rene. M. Babiera II Rinda Widya Ikomah Sabrina Sabrina Sheila Arisonya Mulyani Sitti Nurtina Syauqie Muhammad Marier Syukron Jamil Umar Manshur Uthman Shehu Lawal Wahyu Khafidah Widhy Wahyani Yosep Farhan Dafik Sahal