<![CDATA[This study aims to analyze the influence of financial literacy and digital literacy on QRIS usage decisions among MSMEs in Kotabaru Regency. The study also addresses the limited research examining the combined role of financial and digital literacy in QRIS adoption at the regional MSME level. This research used a quantitative causal approach with Structural Equation Modeling Partial Least Squares (SEM-PLS). A total of 400 respondents were selected using a proportionate stratified random sampling method. Data were collected through questionnaires and analyzed to determine the effect of each variable. The results show that financial literacy has a positive and significant effect on QRIS usage decisions. Digital literacy also has a positive and significant effect and is the dominant factor influencing QRIS adoption. This study contributes to the literature on digital financial inclusion and provides practical implications for governments and financial institutions to improve financial and digital literacy programs to accelerate QRIS adoption among MSMEs]]>
Copyrights © 2026
