<![CDATA[The rapid shift toward digital payments underscores the urgency of enhancing financial inclusion and digital literacy to support sustainable economic growth. This study aims to assess the level of understanding, adoption, and public response to Indonesia’s QRIS in Tangerang City. Using a quantitative descriptive approach, data were collected via questionnaires from local residents. Results reveal high awareness and frequent use of QRIS through platforms like LinkAja, Gopay, Ovo, Dana, Shopeepay, and Mandiri Syariah, driven by convenience, security, cashback, and health considerations. The study contributes empirical evidence on QRIS adoption at the city level and highlights the need for intensified, multi-channel socialization—particularly via social media and community engagement. Its novelty lies in linking QRIS utilization with behavioral drivers specific to urban Indonesian contexts, offering actionable insights for policymakers to strengthen digital payment ecosystems and advance financial inclusion.]]>
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