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All Journal Escalate : Economics and Business Journal
Siti Zailia
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Economics, Econometrics & Finance

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Adult QRIS User Experience in Digital Payment Systems: A Phenomenological Study in Gandus District, Palembang City Safira Elfadhilah; Siti Zailia; , KM Badaruddin; Ridho Elrazy
Escalate : Economics and Business Journal Vol. 3 No. 02: Strategic Innovation and Governance in Modern Business Systems: Integrating Technolog
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v3i02.393

Abstract

The development of digital payment systems in Indonesia has led to the implementation of QRIS as a more practical and efficient transaction solution; However, its application still faces several challenges in society. This study aims to analyze users' experiences in using QRIS, focusing on aspects of convenience and ease of use, motivation for adoption, and existing obstacles. This research employed a qualitative phenomenological approach through in-depth interviews with ten informants from various occupational backgrounds. The findings indicate that QRIS provides significant benefits in terms of convenience, speed, efficiency, and perceived security, thereby encouraging behavioral shifts toward digital payments. Nevertheless, several challenges were identified, including network instability, system constraints, uneven digital literacy, device readiness, and trust issues. The implications highlight the importance of strengthening digital infrastructure, enhancing user education, and optimizing system reliability to support sustainable QRIS usage in society.
The Real Sector as a Pillar of Economic Stability in Times of Crisis Safira Elfadhilah; Siti Zailia; KM Badaruddin; Ridho Elrazy
Escalate : Economics and Business Journal Vol. 3 No. 03 (2026): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v3i03.394

Abstract

Global economic crises triggered by financial shocks, pandemics, and geopolitical instability demonstrate that national economies become highly vulnerable when their structural foundations are weak. This study aims to analyze the role of the real sector as a pillar of economic stability during crises using a narrative review approach of eleven relevant studies covering agriculture, MSMEs, the informal sector, real estate, and their linkage with the financial sector. The findings indicate that the real sector is relatively more resilient than other sectors because it sustains production activities, supports domestic consumption, and provides adaptive capacity through flexibility and business diversification. Meanwhile, the financial sector remains important but must operate within policy frameworks that strengthen real economic activities to avoid excessive volatility. These results emphasize that strengthening the real sector, ensuring synergy between fiscal and macroprudential policies, and providing inclusive financial support are essential strategies to build a robust and sustainable national economic resilience.
Co-Authors , KM Badaruddin KM Badaruddin Ridho Elrazy Safira Elfadhilah