<![CDATA[The rapid growth of digital payment systems has encouraged cashless transactions among Micro, Small, and Medium Enterprises (MSMEs), particularly through the use of the Quick Response Code Indonesian Standard (QRIS). However, the adoption of QRIS remains limited among MSMEs in Bengkulu City, highlighting the need to understand the factors influencing its acceptance. This study investigates how performance expectancy, effort expectancy, social influence, and facilitating conditions affect the behavioral intention and actual use of QRIS among MSMEs, using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. A quantitative approach with a social survey method was employed, collecting data through online questionnaires from 120 MSME owners who actively use QRIS. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. Results show that performance expectancy, effort expectancy, and social influence significantly impact behavioral intention to use QRIS, while facilitating conditions and behavioral intention significantly influence actual QRIS usage. The findings indicate that MSMEs are more likely to adopt QRIS when they perceive benefits, ease of use, social support, and adequate infrastructure. This study provides valuable insights for policymakers, financial institutions, and regulators aiming to accelerate digital payment adoption in MSMEs and strengthen digital accounting systems.]]>
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