<![CDATA[This study aims to analyse the influence of financial literacy, digital literacy and perceived ease of use on the adoption of QRIS amongst MSMEs in the culinary sector in Semarang. A quantitative approach was employed in this study, with primary data collected by distributing questionnaires to 100 MSME operators in the culinary sector. The data analysis tool used was SEM-PLS, utilising the SmartPLS 4.0 application. The results of the study indicate that financial literacy does not have a significant effect on the use of QRIS. Digital literacy has a significant positive effect on the use of QRIS. Furthermore, the perception of ease of use did not have a significant effect on the use of QRIS among SMEs in the culinary sector in Semarang City. These findings indicate that digital literacy is a crucial factor in the use of QRIS by SMEs in the culinary sector in Semarang City. This study confirms that SMEs in the culinary sector in Semarang City possess a high level of digital literacy regarding the use of QRIS.]]>
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