The Influence of Financial Literacy, Financial Inclusion, and Ease of Use on the Decision to Use QRIS among SMEs in Denpasar City

Kadek Erma Damayanti (Faculty of Economics and Business, Universitas Udayana, Indonesia)
I Gusti Ayu Made Asri Dwija Putri (Faculty of Economics and Business, Universitas Udayana, Indonesia)

E-Jurnal Akuntansi
Vol. 36 No. 5 (2026)

QRIS (Quick Response Code Indonesian Standard) is a payment system in Indonesia that uses QR codes to facilitate transactions through digital wallet or banking applications, allowing for fast, secure, and efficient payments. The aim of this research is to obtain empirical evidence of the influence of Financial Literacy, Financial Inclusion, and Ease of Use on the Decision to Use QRIS among SMEs in Denpasar. The method of collecting data from the sample uses questionnaires conducted offline and online to MSME actors who use QRIS in transacting in their businesses. A total of 100 responses were collected and analyzed using SPSS. The results indicate that Financial Literacy and Ease of Use has an effect the decision to use QRIS on the decision to use QRIS while Financial Inclusion has no effect on the decision to use QRIS.