<![CDATA[Background: The Quick Response Code Indonesian Standard (QRIS) is a cornerstone of Indonesia’s digital payment policy, yet its adoption among traditional market traders remains uneven, and existing studies are dominated by consumer-side or survey-based designs that leave the meanings and contextual reasons behind traders’ decisions underexplored.Objectives: This study explores how traditional market traders in Kuningan Regency, West Java, interpret, adopt, sustain, or abandon QRIS, using the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) as a sensitizing framework.Method: A qualitative multiple-case study was conducted in two traditional markets in January 2026 with five informants. Data were collected through semi-structured in-depth interviews, participant observation of transactions, and documentation, and were analyzed through deductive–inductive thematic analysis with within-case and cross-case comparison.Findings and Implications: Four themes emerged: (1) practical benefits for sales, particularly serving cashless buyers and avoiding counterfeit money; (2) ease of use that depends on informal companions such as children and neighboring traders; (3) cost calculations intertwined with daily cash needs, which were most prominent among discontinued users; and (4) trust and habit that sustain continued use.Conclusion: The study proposes a merchant-centered extension of UTAUT2 in which price value encompasses daily liquidity and informal companions form part of facilitating conditions. Practically, it recommends peer-based, cost-transparent, and age-responsive QRIS assistance by Bank Indonesia, payment service providers, local governments, and market managers.]]>
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