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All Journal MATICS : Jurnal Ilmu Komputer dan Teknologi Informasi (Journal of Computer Science and Information Technology) JSI: Jurnal Sistem Informasi (E-Journal) Jurnal Abdimas BSI: Jurnal Pengabdian Kepada Masyarakat Indonesian Journal on Software Engineering (IJSE) Information System for Educators and Professionals : Journal of Information System JIEET (Journal of Information Engineering and Educational Technology) Jurnal Teknik Informatika STMIK Antar Bangsa JITK (Jurnal Ilmu Pengetahuan dan Komputer) J I M P - Jurnal Informatika Merdeka Pasuruan JURTEKSI KOMPUTA : Jurnal Ilmiah Komputer dan Informatika Jurnal Manajemen Informatika JUSIM (Jurnal Sistem Informasi Musirawas) EVOLUSI : Jurnal Sains dan Manajemen JUTIS : Jurnal Teknik Informatika Jurnal Infortech Jurnal Ilmiah Intech : Information Technology Journal of UMUS Jurnal AbdiMas Nusa Mandiri INSANtek – Jurnal Inovasi dan Sains Teknik Elektro Jurnal Abdimas Komunikasi dan Bahasa INFORMATION SYSTEM FOR EDUCATORS AND PROFESSIONALS : Journal of Information System Jurnal Pengabdian Kreatif Cemerlang Indonesia Journal of Accounting Information System
Oky Irnawati
Universitas Bina Sarana Informatika
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Mathematics Physics Social Sciences Other

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Analysis of Inhibiting Factors for QRIS Adoption in the Digitalization of MSMEs in East Jakarta Agustin, Alviandi; Irnawati, Oky
MATICS: Jurnal Ilmu Komputer dan Teknologi Informasi (Journal of Computer Science and Information Technology) Vol 18, No 1 (2026): MATICS
Publisher : Department of Informatics Engineering

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mat.v18i1.36972

Abstract

The Quick Response Code Indonesian Standard (QRIS) was introduced by Bank Indonesia to unify QR-based payments and accelerate the digitalization of Micro, Small, and Medium Enterprises (MSMEs). However, its adoption among MSMEs in East Jakarta remains suboptimal. This study aims to analyze the inhibiting factors affecting QRIS adoption by applying the Unified Theory of Acceptance and Use of Technology (UTAUT), extended with the perceived risk construct. A quantitative approach was employed using purposive sampling of 100 MSME respondents. Data were collected through a structured questionnaire consisting of 13 items and analyzed using descriptive statistics and Spearman’s rank correlation. The results show that social influence is the most dominant inhibiting factor, while perceived risk also contributes but to a lesser extent. Conversely, facilitating conditions, effort expectancy, and performance expectancy are relatively favorable. Correlation analysis indicates that effort expectancy plays a central role, as it is strongly associated with other constructs. These findings suggest that improving digital literacy, strengthening awareness campaigns, and enhancing trust in digital transactions are necessary to accelerate QRIS adoption among MSMEs in East Jakarta. Future research may include moderating variables such as trust and policy support to provide deeper insights into long-term adoption behavior.
Co-Authors Affif Valensyah, Fachri Agung Wibowo Agustin, Alviandi Andi Diah Kuswanto Furi Indriyani Galih Bayu Aji Listianto - AMIK BSI Bekasi Hidayat, Nasrul Walid Hilda Rachmi Ida Darwati Kusmayanti Solecha Kuswanto, Andi Diah Lita Sari Marita Marzuki, Idris Maulana, Amir Nandika, Moh Dimas Nia Nuraeni Nugraha, Indra Kristian Nugroho, Gunawan Setyo Rivaldi, Tangguh Rizqi Falih Hamidan Sri Watmah Sutan Arlie Johan Tanjung, Handra Putratama Yesni Malau Yoseph Tajul Arifin