Kesenjangan Adopsi QRIS dan Inklusi Keuangan di Indonesia: Peran Kecerdasan Budaya dan Peran Pemerintah

Yuwono, Wisnu
July Elvia
Budiman, Johny

JURNAL MANAJEMEN MOTIVASI
Vol 22 No 2 (2026): Jurnal Manajemen Motivasi

This study examines QRIS adoption and financial inclusion in Indonesia, with cultural intelligence as a mediator and government role as a moderator. A survey of 210 QRIS users was analysed using PLS-SEM. QRIS adoption positively affected financial inclusion and cultural intelligence, while cultural intelligence positively affected financial inclusion. However, the indirect effect through cultural intelligence was not significant (β = 0.117; p = 0.219), nor was government moderation (β = 0.053; p = 0.285). The findings highlight cultural readiness in digital financial inclusion, while the proposed mediation and moderation were unsupported.