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Ika Swasti Putri
Universitas Dharma AUB Surakarta
Religion 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 Public Health Social Sciences Veterinary Other

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Journal : Indonesian Journal of Applied Accounting and Finance

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Analysis of National QR Code Payment Systems: Practices in 3 Developing Countries (Indonesia, Nigeria, and India) Asrihapsari, Andi; Putri, Ika Swasti; Anaege, Arinze E.
AKUMULASI: Indonesian Journal of Applied Accounting and Finance Vol. 4 No. 1 (2025): June
Publisher : Vocational School, Universitas Sebelas Maret (UNS), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/akumulasi.v4i1.2539

Abstract

This study explores the payment system practices using national quick response codes (QR codes) in three developing countries—Indonesia, India, and Nigeria—which are members of the World Trade Organization (WTO). Using a systematic literature review (SLR) approach guided by the PRISMA 2020 protocol, this study analyzed 15 peer-reviewed articles to examine the implementation of QR code-based payment systems. Specifically, the review evaluated trends in national policy practices, geographical focus, research methodologies, journal classifications, and theoretical frameworks employed. Although the study adopted a qualitative SLR methodology, it drew analytical insights from the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). A key finding reveals that national QR code payment systems have been implemented in Indonesia (QRIS), India (BharatQR), and Nigeria (NQR). The goal of implementing national QR code systems is to support financial inclusion, transaction efficiency, and the transition to a cashless society. This study identifies a research gap related to security issues, data privacy, and the macroeconomic impact of QR code payments. This study provides direction for future studies by recommending a mixed-methods approach, cross-cultural exploration, and review of national policies as part of developing an inclusive and sustainable digital payment system.
Co-Authors Aloysius Harry Mukti Anaege, Arinze E. Andi Asrihapsari, Andi Anggoro Panji Nugroho Arief Budhi Dharma Aryanto, Dino Ayu Nurafni Octavia Ayu Puspitasari BRM Suryo Triono Bulqis, Tiara Charakas, Nana Yohana Desy Istiyowati Dino Aryanto Dwi Wahyuningsih Eko Madyo Sutanto Eko Madyo Sutanto Endang Saryanti Ersyafdi, Ilham Ramadhan Fajarsari, Hesti Fitriani, Laili Nur Friantin, Siti Hayati Efi Hanif Safika Rizky Ifah Lathifah Ifah Lathifah Kaharudin, Erlitawati Lilis Sulistyani Lilis Sulistyani Lisa Nur Hidayati Mulyadi Mulyadi Naini Rizka Amalia Oktavia Marpaung Rafles Ginting Restyandra Lavinia Fujianto Ridwan Wahyudi Rina Ani Sapariyah Riri Rumaizha Rizky, Hanif Safika Siti Hayati Efi Friantin Siti Hayati Efi Friantin Siti Hayati Efi Friantin Siti Hayati Efi Friantin Siti Hayati Efi Friantin Siti Hayati Efi Friantin Siti Hayati Efi Friantin Siti Hayati Efi Friantin Tri Nurdyastuti Umi Hanifah Vernando, Alexander Nova Wahyono, Anang Tri Wiwit Irawati Yanian Purwa Sagita Yuniatin Trisnawati DKW