Penggunaan QRIS Sebagai Instrumen Pembayaran dan Transformasi Digital: Sebuah Literature Review: The Use of QRIS as a Payment Instrument and Its Role in Digital Transformation: A Literature Review

Brigitta Esmeralda Wau (Sekolah Tinggi Ilmu Ekonomi IGI)
Hanny Khairunnisa (Sekolah Tinggi Ilmu Ekonomi IGI)
Luna Meisya Dewanti (Sekolah Tinggi Ilmu Ekonomi IGI)
Rinal Pangaribuan (Sekolah Tinggi Ilmu Ekonomi IGI)
Silpana Monalisa (Sekolah Tinggi Ilmu Ekonomi IGI)
Zian Fachrian (Sekolah Tinggi Ilmu Ekonomi IGI)

Jurnal Bisnis dan Ekonomi
Vol 4 No 4 (2026): Jurnal Bisnis dan Ekonomi

Abstract: Quick Response Code Indonesian Standard (QRIS) has become a vital digital payment instrument supporting Indonesia's digital transformation for both consumers and MSMEs. Objective: This study examines QRIS usage and its role in digital transformation, particularly regarding MSMEs and consumer behavior. Methodology: Employing a literature review of 15 relevant scholarly articles, the research analyzes implementation, benefits, challenges, technology acceptance, consumer behavior, and economic implications. Research Results: The findings reveal that QRIS enhances transaction convenience and efficiency, drives MSME payment system digitalization, and shifts behavior toward a cashless society. Furthermore, QRIS usage intersects with financial literacy, impulsive buying, and broader economic activities, emphasizing the need to understand it through technological, business, and consumer lenses.