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All Journal Ascendia: Journal of Economic and Business Advancement
MHD Fajar Nasution
Politeknik Negeri Medan
Economics, Econometrics & Finance

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Analisis Faktor Keberhasilan QRIS dalam Menciptakan Era Pembayaran Digital di Kota Medan MHD Fajar Nasution; Nabeel Al Fattah Yusuf; Novitasari Novitasari
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/deyw8s45

Abstract

The development of the digital economy in Indonesia has driven the need for an efficient cashless payment system, with the Quick Response Code Indonesian Standard (QRIS) emerging as a solution to simplify transactions for consumers and MSMEs, particularly in the city of Medan. This study uses a qualitative-descriptive approach through literature review and secondary documentation, with data analysis from journals, official reports, and related publications to identify the success factors of QRIS without collecting primary data. The results of the analysis show that the adoption and penetration of QRIS among MSMEs and consumers are driven by ease of use, transaction speed, and system security, while external factors such as digital infrastructure, community literacy, local economic characteristics, and government policies strengthen implementation at the local level. This combination of internal and external factors creates an inclusive, efficient, and sustainable digital payment ecosystem. This study concludes that the success of QRIS in Medan depends on the synergy between system quality, user behavior, and socio-economic and regulatory support, thereby promoting optimal digital transformation and financial inclusion.
Co-Authors Nabeel Al Fattah Yusuf Novitasari Novitasari