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JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI
Published by CV Kampus Akademik Publising
ISSN : 30476232     EISSN : 30476240     DOI : https://doi.org/10.61722/jemba.v1i2.45
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek Ekonomi, Manajemen, Bisnis dan Akuntansi. Jurnal ini memberikan ruang bagi para peneliti untuk berdiskusi, mengejar dan meningkatkan pengetahuan di bidang Kategori Ilmu Ekonomi , Manajemen, Bisnis dan Akuntansi yang terus berkembang. Artikel dapat ditulis dalam bahasa Inggris atau bahasa Indonesia. Ekonomi: Ekonomi Publik, Ekonomi Internasional, Perbankan dan Lembaga Keuangan Ekonomi Pembangunan, Ekonomi Moneter, Ekonomi Keuangan. Manajemen bisnis dan perbankan: Manajemen keuangan dan kekayaan, Pemasaran, Manajemen Sumber Daya Manusia, Manajemen Strategis, Operasi, Kewirausahaan, Etika Perbankan, Operasi dan Manajemen Perbankan. Akuntansi: Akuntansi Sektor Publik, Perpajakan, Akuntansi Keuangan, Akuntansi Manajemen, Auditing, dan Sistem Informasi Akuntansi. Jurnal ini terbit 1 tahun 6 kali (Januari, Maret, Mei, Juli, September, November)
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 542 Documents
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KETERLAMBATAN PENGANGKUTAN SAMPAH DI TPS INDUK RAJABASA BANDAR LAMPUNG SEBAGAI ANALISIS DAMPAK SOSIAL DAN FORMULASI KEBIJAKAN PENGELOLAAN SAMPAH BERKELANJUTAN Atikah Ramadhani; Ahmad Rama; Malikah Alya Azzahra; Annisa Dwi Lestari; Abdul Halim; Hasan Hariri
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2583

Abstract

The delay in waste transportation at the Rajabasa Main Temporary Waste Disposal Site (TPS Induk Rajabasa) in Bandar Lampung has become a significant obstacle to achieving effective and sustainable waste management. This issue has led to waste accumulation, resulting in environmental pollution, public health risks, and declining community trust in public services. This study aims to analyze the factors causing delays in waste transportation, identify the social impacts experienced by surrounding communities, and formulate sustainable waste management policy recommendations. The research employed a qualitative approach with a case study design through field observations, in-depth interviews with waste management personnel and local residents, and analysis of relevant policy documents. The findings reveal that transportation delays are primarily caused by limited transportation fleets, increasing waste volumes, inadequate infrastructure, and weak operational coordination. These conditions have generated various social impacts, including disruptions to daily activities due to unpleasant odors, increased health risks, environmental degradation, and reduced public confidence in local government performance. Based on these findings, the study proposes policy formulations focused on improving transportation capacity, utilizing monitoring technologies, strengthening community participation, implementing circular economy principles, and enhancing coordination among stakeholders. The implementation of these policies is expected to support a more effective, sustainable, and environmentally sound waste management system
Pengaruh Live Streaming, Countdown, dan Influencer Terhadap Impulsive Buying pada Pengguna TikTok Shop dengan Emotional Arousal sebagai Variabel Mediasi Ferdila Ayu Wandansari; Andi Muhammad Sadat; Rizka Zakiah
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2586

Abstract

This study aims to analyze the influence of live streaming, countdown timers, and influencers on impulsive buying among TikTok Shop users, with emotional arousal serving as a mediating variable. The research employed a quantitative approach using a survey method. The population consisted of TikTok Shop users in Indonesia aged 17 years and above who had purchased products through the live streaming feature at least twice within the last three months and resided in the Greater Jakarta area (Jabodetabek). A non-probability sampling technique with a purposive sampling method was used, resulting in a sample of 290 respondents. Data were collected through a questionnaire using a Likert scale. This study was based on the Stimulus–Organism–Response (S-O-R) theory, which explains the relationship between external stimuli, individuals’ internal psychological states, and their behavioral responses. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach and processed using SmartPLS version 4. The results indicate that Live Streaming (LS), Countdown Timers (C), Influencers (IF), and Emotional Arousal (EA) have positive and significant effects on Impulsive Buying (IB). Furthermore, Live Streaming (LS), Countdown Timers (C), and Influencers (IF) have positive and significant effects on Emotional Arousal (EA). The findings also reveal that Emotional Arousal (EA) significantly mediates the effects of Live Streaming (LS), Countdown Timers (C), and Influencers (IF) on Impulsive Buying (IB).
PERSEPSI MAHASISWA GENERASI Z TERHADAP VOUCHER DISKON TIKTOK DALAM KEPUTUSAN PEMBELIAN Shafa Fawwas Firzatullah Rachmady; Jessica Inov Tri Agustina Sujarwo; Gloria Tesalonika; Tan Evan Tandiyono
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2595

Abstract

Changes in consumption patterns among Generation Z, who heavily use social media, have turned TikTok into a social commerce space where discount vouchers can trigger purchase decisions. This study aims to explore Generation Z university students’ perceptions of TikTok discount vouchers and how those perceptions influence purchase decisions. A qualitative approach was employed with data collected via an initial questionnaire, in-depth structured interviews, documentation, and recorded video responses from three purposively selected student informants. Data were analyzed inductively through transcription, thematic categorization, and literative interpretation to capture participants’ subjective meanings. Findings show that TikTok vouchers are viewed favorably by students because they offer lower prices, help reduce daily expenses (especially for food and beverages), and provide ease of access and convenience aligned with Generation Z’s digital lifestyle. The results indicate that economic value (price), utility (accessibility), and platform context (integration with content and affiliates) contribute to purchase decision-making among students. Implications suggest marketers and platform developers should optimize voucher strategies that emphasize cost savings and user convenience while enhancing the overall user experience to improve promotional effectiveness.
IMPLEMENTASI PROGRAM COMMUNITY DEVELOPMENT MELALU CORPORATE SOCIAL RESPONSIBILITY PT ASTRO LESTARI TBK DALAM PENYEDIAAN AIR BERSIH DI KELURAHAN MARTAJAYA Mutiara Arsad; Nasilla Handayaningrum; Kadri W. Lumbay; Fariska Riski; Nadia Amanda Tasya; Moh Adrian; Saharani Saharani; Abd Rahman; Dimas Febrian; Rai Savitri; Muzakir Tawil; Rachmad Rachmad; Askar Mayusa
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2596

Abstract

Penelitian ini bertujuan menganalisis implementasi program Community Development melalui Corporate Social Responsibility (CSR) dalam penyediaan air bersih di Kelurahan Martajaya, Kabupaten Pasangkayu. Program tersebut dilaksanakan sebagai bentuk tanggung jawab sosial perusahaan untuk membantu masyarakat memperoleh akses air bersih yang layak sekaligus meningkatkan kualitas hidup dan kesehatan lingkungan. Penelitian menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Informan penelitian terdiri atas pihak perusahaan, pemerintah kelurahan, pengelola fasilitas air bersih, serta masyarakat penerima manfaat program. Hasil penelitian menunjukkan bahwa implementasi program CSR penyediaan air bersih telah berjalan cukup baik dan memberikan manfaat nyata bagi masyarakat. Keberadaan bak penampungan, jaringan pipa distribusi, dan fasilitas pendukung lainnya mempermudah masyarakat memenuhi kebutuhan air sehari hari. Program ini juga meningkatkan kesadaran masyarakat terhadap pentingnya kebersihan lingkungan, kesehatan, serta partisipasi dalam menjaga fasilitas yang telah dibangun. Selain memberikan dampak positif, penelitian menemukan beberapa kendala, yaitu keterbatasan sarana dan prasarana, kerusakan ringan pada fasilitas, belum meratanya distribusi air, rendahnya kesadaran sebagian masyarakat terhadap pemeliharaan fasilitas, serta pengaruh kondisi alam yang memengaruhi ketersediaan air. Untuk mengatasi kendala tersebut diperlukan peningkatan sarana dan prasarana, pemeliharaan fasilitas secara berkala, penguatan kerja sama antara perusahaan, pemerintah, dan masyarakat, serta pelaksanaan sosialisasi dan edukasi berkelanjutan. Dengan demikian, program CSR berbasis community development dalam penyediaan air bersih di Kelurahan Martajaya berkontribusi positif terhadap peningkatan kesejahteraan masyarakat dan keberlanjutan lingkungan. Program ini juga memperkuat hubungan sosial antarwarga melalui kegiatan gotong royong, mendukung pengelolaan fasilitas secara bersama, serta mendorong terciptanya rasa tanggung jawab kolektif terhadap keberlanjutan manfaat program bagi masyarakat setempat.
Pengaruh Non Performing Financing (NPF) Terhadap Dana Pihak Ketiga (DPK) PT Bank Muamalat Indonesia Periode 2020-2024 Wilma khafsa; Shalsya Citra Artamedya Pangesti; Mohammad Robet Abdillah; Anang Haris Firmansyah
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2600

Abstract

Abstract. This research aims to analyze the influence of Non Performing Financing (NPF) on Third Party Funds (DPK) at PT Bank Muamalat Indonesia for the 2020-2024 period. DPK is the main source of funds for Islamic banks which is greatly influenced by the level of public trust, while NPF reflects the level of problematic financing that can affect the public’s perception of the bank’s health. This research uses a quantitative approach with a type of causal associative research. The data used is in the form of secondary data from the quarterly financial statements of PT Bank Muamalat Indonesia for the period 2020-2024 with a total of 20 observations. Data analysis was conducted using descriptive statistics, classical assumption tests, simple linear regression, t-test, and coefficient of determination (R²) with the assistance of SPSS. The results show that NPF has a negative and significant effect on TPF, as indicated by a t-value of -6.178 with a significance level of < 0.001. The regression coefficient of -1.469 indicates that every 1% increase in NPF reduces TPF by 1.469 trillion rupiah. Furthermore, the coefficient of determination (R²) of 0.680 indicates that NPF explains 68% of the variation in TPF, while the remaining 32% is influenced by other factors outside the model. This finding shows that effective problem financing management is very important to maintain public trust and the stability of fundraising in Islamic banks. Keywords: Third Party Fund (DPK); Community Trust; Non Performing Financing (NPF); Problem Financing; Sharia Banking. Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh Non Performing Financing (NPF) terhadap Dana Pihak Ketiga (DPK) pada PT Bank Muamalat Indonesia periode 2020–2024. DPK merupakan sumber dana utama bank syariah yang sangat dipengaruhi oleh tingkat kepercayaan masyarakat, sedangkan NPF mencerminkan tingkat pembiayaan bermasalah yang dapat memengaruhi persepsi masyarakat terhadap kesehatan bank. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif kausal. Data yang digunakan berupa data sekunder dari laporan keuangan triwulanan PT Bank Muamalat Indonesia periode 2020–2024 dengan jumlah 20 observasi. Analisis data menggunakan statistik deskriptif, uji asumsi klasik, regresi linear sederhana, uji t, dan koefisien determinasi (R2) dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa NPF berpengaruh negatif dan signifikan terhadap DPK. Hal ini dibuktikan dengan nilai t hitung sebesar -6,178 dengan nilai signifikansi < 0,001. Koefisien regresi sebesar -1,469 menunjukkan bahwa setiap kenaikan NPF sebesar 1% akan menurunkan DPK sebesar 1,469 triliun rupiah. Selain itu, nilai koefisien determinasi (R²) sebesar 0,680 menunjukkan bahwa NPF mampu menjelaskan variasi DPK sebesar 68%, sedangkan sisanya sebesar 32% dipengaruhi oleh faktor lain di luar model penelitian. Temuan ini menunjukkan bahwa pengelolaan pembiayaan bermasalah yang efektif sangat penting untuk menjaga kepercayaan masyarakat dan stabilitas penghimpunan dana pada bank syariah. Kata kunci: Dana Pihak Ketiga (DPK); Kepercayaan Masyarakat; Non Performing Financing (NPF); Pembiayaan Bermasalah; Perbankan Syariah.
ANALISIS POTENSI GREEN WAQF DALAM MENDUKUNG TUJUAN PEMBANGUNAN BERKELANJUTAN (SDGs) Ikrimatu Khoirinnisa’; Fitri Intan Nuraini; Bayu Perdana; Amalia Nuril Hidayati
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2615

Abstract

Sustainable development (the Sustainable Development Goals, or SDGs) is an international agenda aimed at achieving a balance between economic growth, social well-being, and environmental conservation. To achieve these goals, financing instruments are needed that can provide long-term benefits while supporting environmental sustainability. One instrument with significant potential is the green waqf the management of waqf assets and funds directed toward environmentally friendly activities such as forest conservation, reforestation, renewable energy development, clean water management, and sustainable agriculture. This study aims to analyze the potential of green waqf in supporting the achievement of the Sustainable Development Goals (SDGs) and to identify the various challenges faced in its implementation in Indonesia. The method used in this study is qualitative, employing a literature review approach. Data were obtained from various sources, including scientific journals, books, articles, and relevant previous studies, which were then analyzed using a descriptive-analytical method. The findings indicate that green waqf holds strategic potential as a philanthropic instrument in Islam capable of supporting the achievement of the Sustainable Development Goals (SDGs), particularly regarding poverty alleviation, the provision of affordable and clean energy, access to clean water and sanitation, efforts to mitigate climate change, and the conservation of terrestrial ecosystems. In addition to benefiting the environment, green waqf also contributes to community economic empowerment through the development of productive businesses, sustainable agriculture, and job creation. However, the implementation of green waqf still faces a number of challenges, including low public awareness, limited capacity of waqf managers, weak regulations, limited use of digital technology, and a lack of funding. Therefore, strengthening is needed in governance, regulations, inter-institutional collaboration, and human resource capacity building so that the potential of green waqf can be maximized in supporting sustainable development in Indonesia.
Analisis SWOT Pada UMKM Donat DS Adinda C L Malawat; Tyna Yunita; Antonius T Nugroho; Ni P M P S Putri; Raeva S P Lestari; Raissyah Sudrajat
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2619

Abstract

DS Donuts MSME is a culinary business whose main products are donuts and bakery items, with the potential to grow amid increasing public demand for ready-to-eat food products. In running its business, DS Donuts faces various internal and external factors that affect business sustainability. A SWOT analysis was used to identify the strengths, weaknesses, opportunities, and threats faced by the business. The analysis results show that the business's main strengths are distinctive product taste, affordable prices, quality ingredients, and good customer service. On the other hand, weaknesses include limited capital, less effective promotion, and limited production capacity. Opportunities that can be utilized include increasing public interest in bakery products, the development of digital technology as a marketing tool, and opportunities for collaboration with various parties. Meanwhile, threats come from high competition from similar businesses, changes in consumer preferences, and fluctuations in raw material prices. Based on the SWOT analysis, DS Donuts MSME needs to maintain product quality, increase digital marketing activities, carry out product innovation, and expand its marketing network to increase competitiveness and support sustainable business development.
PENGARUH KOPERASI TERHADAP USAHA MIKRO KECIL MENENGAH (STUDI KASUS : PENYALURAN MODAL PEMBIAYAAN PT XX DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT REGIONAL KEDIRI) putri rachmawati; Albert Gamot Malau
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2625

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the community's economy. This study aims to analyze the distribution mechanism and effectiveness of financing provided by the PNM Mekaar Kediri Branch in improving community economic welfare, as well as identifying factors influencing the success of customers' micro-enterprises. The results of this study are expected to provide theoretical benefits as a reference for the development of economics, particularly regarding microfinance management efforts, and to benefit PNM Mekaar in improving the quality of its services and empowerment programs. The method used in this study was a qualitative approach, conducting several interviews with active PNM Mekaar customers in the follow-up cycle. Data analysis was conducted through the stages of data presentation and drawing conclusions to obtain an overview of changes in the community's economic and social conditions before and after receiving financing. The results indicate that capital loans from PNM Mekaar have a positive impact on improving community welfare. Economically, customers are able to develop their businesses and increase their income. However, there are some obstacles in repaying installments during business downturns. Overall, this program has proven to be effective in supporting community economic empowerment.
SECOND ACCOUNT INSTAGRAM SEBAGAI SARANA EKSPRESI DIRI GENERASI Z Yusriyyah Zahra Putri Yusup; Shabina Ghalya Sufa; Siti Muawanah; Shofia Salsabilla Azahra; Tan Evan Tandiyono
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2635

Abstract

Social media has transformed the way individuals express and construct their identities in the digital era. Among Generation Z, the use of secondary Instagram accounts, commonly referred to as “second accounts,” has become increasingly popular as an alternative space for communication and self-expression. This study aimed to examine the role of Instagram second accounts as a medium for self-expression among Generation Z users. Employing a qualitative research approach, data were collected through in-depth interviews with Generation Z participants who actively used second accounts on Instagram. The findings indicate that second accounts provide users with greater freedom to express their thoughts, feelings, opinions, and daily experiences without the pressure of maintaining an idealized online image. Unlike primary accounts, which are often used to present a curated and socially desirable identity, second accounts function as more private and authentic spaces where users can communicate with a limited audience of trusted individuals. Furthermore, the use of second accounts contributes to users’ sense of comfort, confidence, and emotional openness in digital interactions. The study concludes that Instagram second accounts serve as an important medium for authentic self-expression and identity exploration among Generation Z.
Pengaruh Qris Terhadap Kemudahan Bertransaksi dan Kepuasan Pelanggan pada Generasi Z Cornelius Bryan Walten; Maria Raineldis Sabu Manuk; Nabila Candra Aulia; Felisty Dwisca Pakulla; Tan Evan Tandiyono
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 4 (2026): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i4.2655

Abstract

Abstract. The rapid development of digital technology has transformed payment systems in Indonesia through the implementation of the Quick Response Code Indonesian Standard (QRIS). Generation Z, as a digitally native generation, has become one of the primary users of this payment method. This study aims to analyze the influence of QRIS usage on transaction convenience and customer satisfaction among Generation Z, as well as to identify supporting and inhibiting factors in its implementation. A qualitative research approach was employed using in-depth interviews, observations, and Focus Group Discussions (FGD). The study involved three Generation Z participants who actively use QRIS in their daily transactions. Data were analyzed through coding, categorization, and thematic identification to gain a comprehensive understanding of users' experiences. The findings indicate that QRIS provides significant benefits, including convenience, speed, efficiency, flexibility, and comfort in conducting transactions. QRIS usage also encourages a shift toward cashless payment behavior and enhances customer satisfaction by enabling practical transactions without the need to carry cash. However, several challenges were identified, including dependence on internet connectivity and smartphone availability, as well as security risks related to fraudulent QRIS codes. These findings suggest that although QRIS plays an important role in improving the digital transaction experience, improvements in system security, user education, and digital infrastructure are necessary to maximize its benefits. This study is expected to contribute to the development of digital payment services and serve as a reference for future research on consumer behavior within the digital economy ecosystem. Abstrak. Perkembangan teknologi digital telah mendorong transformasi sistem pembayaran di Indonesia melalui hadirnya Quick Response Code Indonesian Standard (QRIS). Generasi Z sebagai kelompok yang tumbuh bersama teknologi digital menjadi salah satu pengguna utama sistem pembayaran ini. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan QRIS terhadap kemudahan bertransaksi dan kepuasan pelanggan pada Generasi Z, serta mengidentifikasi faktor-faktor yang mendukung maupun menghambat penggunaannya. Penelitian menggunakan pendekatan kualitatif dengan metode wawancara mendalam, observasi, dan Focus Group Discussion (FGD). Subjek penelitian terdiri dari tiga informan Generasi Z yang aktif menggunakan QRIS dalam aktivitas sehari-hari. Data dianalisis melalui proses pengkodean, kategorisasi, dan identifikasi tema untuk memperoleh pemahaman yang komprehensif mengenai pengalaman pengguna. Hasil penelitian menunjukkan bahwa QRIS memberikan berbagai manfaat, antara lain kemudahan, kecepatan, efisiensi, fleksibilitas, serta kenyamanan dalam bertransaksi. Penggunaan QRIS juga mendorong perubahan perilaku masyarakat menuju sistem pembayaran non-tunai (cashless) dan meningkatkan kepuasan pelanggan karena transaksi dapat dilakukan secara praktis tanpa membawa uang tunai. Namun demikian, penelitian ini juga menemukan beberapa kendala, seperti ketergantungan pada koneksi internet dan perangkat smartphone, serta potensi risiko keamanan berupa penyalahgunaan QRIS palsu. Temuan ini menunjukkan bahwa meskipun QRIS berperan penting dalam meningkatkan kualitas pengalaman transaksi digital, diperlukan peningkatan keamanan sistem, edukasi pengguna, dan pengembangan infrastruktur digital agar manfaat QRIS dapat dirasakan secara optimal. Penelitian ini diharapkan dapat menjadi referensi bagi pengembangan layanan pembayaran digital dan penelitian selanjutnya mengenai perilaku konsumen dalam ekosistem ekonomi digital.

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