Determinants of QRIS Adoption Intention for MSMEs: Identification During Covid-19

Abstract

The purpose of this study is to examine the role of product knowledge, perceived benefit, and perceived ease of use on QRIS adoption intention for MSMEs in Semarang City during the Covid-19 pandemic. An associative quantitative approach was applied in this study. Population of this research are merchants in Semarang City’s traditional market. Empirical data were collected through questionnaires from 100 respondents and analyzed with SmartPLS 3.0 based on the SEM-PLS method. The results of this study confirm that product knowledge, perceived benefit, and perceived ease of use have a significant impact on the intention to adopt QRIS. The findings encourage the government to continue to accelerate the formation of a cashless society and increase public awareness of the benefit of digital payments in preventing the spread of the virus, especially the use of QRIS.

Bank Indonesia DIY education campaign strategy in increasing awareness of QRIS electronic payments in the DIY MSME 2023

“…DIY's goal is 261,000 new QRIS users in 2023, with 23.5 million transactions. Progress for new users in DIY reached 58% in July, and transaction volume surpassed 124%, with over 23 million transactions occurring in DIY from January to July 2023 (Sholihah, 2023). Challenges and obstacles during the awareness campaign primarily revolved around participant recruitment and time constraints.…”