<![CDATA[This study investigates the effects of the quality of accounting information and system integration on financial decision-making among traditional market traders who have adopted QR code payments (QRIS) in Probolinggo City, Indonesia, with digital literacy serving as a moderating variable. The research addresses the growing need to understand how digital payment systems transform financial management practices in traditional business settings. Employing a quantitative cross-sectional approach, data were collected from 47 traders who had been using QRIS for at least six months through purposive sampling techniques. Structured questionnaires measuring accounting information quality, system integration, digital literacy, and financial decision-making effectiveness were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The study found that both accounting information quality and system integration have a significant positive impact on the effectiveness of financial decision-making processes. Notably, digital literacy was shown to significantly strengthen these relationships, acting as a crucial moderating factor. The research confirms that enhancing digital literacy is essential to support digital transformation in accounting practices, particularly in traditional markets where manual processes still dominate. Additionally, the integration of digital payment systems with existing manual accounting processes proves essential for improving financial performance and operational decision-making among traders. These findings have important implications for policymakers and financial service providers in promoting sustainable business growth and digital inclusion in traditional market environments within Indonesia's rapidly evolving digital economy landscape.]]>
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