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All Journal Jurnal Akademik Pengabdian Masyarakat Ichsan Sidenreng Rappang Nomico
Misfah Muslimawati
Universitas Papua Madani Jayapura
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science

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QRIS-Based Digital Marketing: Collaborative Strategies between Merchants and Financial Service Providers Waqiah; Misfah Muslimawati; Farhatun Zaidah
Nomico Vol. 2 No. 9 (2025): Nomico - October
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/vj3s7g81

Abstract

This study aims to analyze the implementation of the Quick Response Code Indonesian Standard (QRIS) as a collaborative digital marketing strategy between merchants and financial service providers in Indonesia. Using a descriptive qualitative approach, this research explores the relationship between QRIS adoption, business collaboration, and its impact on transaction efficiency and MSME competitiveness in the digital economy. Data were collected through semi-structured interviews with MSME owners from the retail, culinary, and service sectors, as well as representatives from financial institutions involved in the QRIS ecosystem. The findings reveal that QRIS integration enhances transaction efficiency, strengthens consumer trust, and expands market access for small businesses. The collaboration between merchants and financial providers creates shared value through the utilization of transaction data as a foundation for marketing decision-making. Moreover, QRIS contributes to accelerating financial inclusion and reducing digital inequality across regions. Nonetheless, challenges remain, particularly in addressing limited digital literacy and infrastructure in rural areas. This study concludes that QRIS functions not only as a financial innovation but also as a strategic instrument for developing an inclusive, efficient, and sustainable digital marketing ecosystem for MSMEs in Indonesia.      
PENGENALAN APLIKASI QRIS SEBAGAI ALAT PEMBAYARAN NON TUNAI UNTUK MEMPERMUDAH TRANSAKSI BAGI PELAKU USAHA TOKO KELONTONG DI DISTRIK SENTANI KABUPATEN JAYAPURA. Misfah Muslimawati
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 1 No 2 (2024): November
Publisher : Universitas Ichsan Sidenreng Rappang

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Abstract

Today's development of digital technology has spread to all aspects that have led to a change in people's behaviour from conventional to digital. It has also affected conventional that are beginning to grow into e-business, such developments not only have undergone a shift in terms of management systems, but have later shifted to online-based payment systems that are considered accountable, practical and secure. The majority of people today use gadgets in transactions both online and offline because they are considered more efficient so that most stores and shopping centers provide QR-Code-based digital payment alternatives. However, not many UMKM are using QRIS as a payment alternative, so it is necessary to have an introduction and understanding of the importance of using QRIs as a digital payment tool other than cash payment. In addition, training is needed to improve the ability of UMKM perpetrators in applying QRIS, as part of digitalization, thus opening up opportunities to grow in line with the changing behaviour of deadly transaction that is increasingly open to adopting digital payments.
Co-Authors Farhatun Zaidah Waqiah