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Erisva Hakiki Purwaningsih
Universitas Indonesia
Computer Science & IT

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Perceptions of the Use of Quick Response Code Indonesian Standard (QRIS) for Payment and its Impact on Consumer Behavior Cakra Wirabuana; Ridwan Marbanie; Dana Indra Sensuse; Deden Sumirat Hidayat; Erisva Hakiki Purwaningsih
Jurnal Sistem Informasi Vol. 20 No. 2 (2024): Jurnal Sistem Informasi (Journal of Information System)
Publisher : Faculty of Computer Science Universitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21609/jsi.v20i2.1416

Abstract

Currently the use of cash payments is starting to change to a simpler payment method to non-cash transactions, it is supported by digital payment technology that is developing very quickly. One of the payment methods that can be used through smartphones is using QR codes as a way of payment. Using a qualitative approach, this study aims to analyze the influence of usability, ease of use, and trust factors on consumer acceptance of QR and its impact on purchasing behavior through a qualitative approach. The results of this study will contribute to the development of digital payments, especially based on the resulting perceptions and their impact on purchasing behavior.
The Effectiveness of Bank Indonesia's SME Development Strategies, Policies, and Support in Financial Technology Cakra Wirabuana; Betty Purwandari; Imairi Eitiveni; Erisva Hakiki Purwaningsih
Jurnal Sistem Informasi Vol. 21 No. 1 (2025): Jurnal Sistem Informasi (Journal of Information System)
Publisher : Faculty of Computer Science Universitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21609/jsi.v21i1.1440

Abstract

This study aims to assess the effectiveness of strategies, policies, and support offered by Bank Indonesia for the growth of Small and Medium Enterprises (SMEs) in the Financial Technology (FinTech) sector. Using qualitative methods, thematic analysis, and frequency analysis, this study highlights the existing gaps in research on institutional support for SMEs during the digital era, especially within the Indonesian framework. A significant contribution of this research is the detailed exploration of SMEs' perspectives on the support they receive, focusing on areas such as infrastructure, digital literacy, and regulatory frameworks. Findings show that SMEs are generally positive about Bank Indonesia's initiatives, despite challenges in technical, administrative, and networking aspects. In addition, this research proposes actionable recommendations for Bank Indonesia and other relevant bodies to improve FinTech infrastructure, increase awareness and education, and revise regulations to better facilitate SME development. In addition, this research lays the groundwork for future longitudinal and comparative analyses to measure the long-term impact of Bank Indonesia's policies and to create predictive models that can pinpoint important elements that influence the use and success of digital payment solutions among SMEs. In addition to offering policy insights for Indonesia, this research also contributes to the broader global context by understanding the role of institutional support in advancing SMEs in the FinTech industry.
Co-Authors Cakra Wirabuana Dana Indra Sensuse Deden Sumirat Hidayat Imairi Eitiveni Purwandari, Betty Ridwan Marbanie