Percepatan Implementasi Digital Payment Pada UMKM: Intensi Pengguna QRIS Berdasarkan Technology Acceptance Model

Abstract

This study explores the role of perceived usefulness and perceived ease of use towards the intention of using QRIS for MSMEs in Semarang City’s Traditional Market based on the Technology Acceptance Model (TAM). Quantitative research with a causal design was applied in this study. The population of this study is the traders in the traditional market of Semarang City. Empirical data were collected through questionnaires from 100 respondents and analyzed using SmartPLS based on the SEM-PLS method. The results of this study confirm that perceived usefulness and perceived ease of use have a positive and significant impact on the intention to use QRIS. Thus, this study is consistent with the efforts of the government and Bank Indonesia in encouraging the acceleration of the implementation of digital payments or the National Non-Cash Movement (GNNT) and the development of the MSMEs digitalization program.Keywords: Usage Intentions, MSMEs, QRIS, Digital Payment, Technology Acceptence ModelABSTRAKTujuan dari penelitian ini ialah mengeksplorasi peran persepsi kemanfaatan dan persepsi kemudahan terhadap intensi penggunaan QRIS bagi pelaku UMKM di Pasar Tradisional Kota Semarang berdasarkan konsep Technology Acceptance Model (TAM). Penelitian kuantitatif dengan desain kausal diaplikasikan dalam studi ini. Populasi penelitian ini ialah para pedagang di pasar tradisional Kota Semarang. Data empiris dikumpulkan melalui kuesioner dari 100 responden dan dianalisis menggunakan SmartPLS berdasarkan metode SEM-PLS. Hasil studi ini mengkonfirmasi bahwa persepsi kemanfaatan dan persepsi kemudahan memiliki dampak yang positif dan signifikan terhadap intensi untuk menggunakan QRIS. Dengan demikian, studi ini konsisten dengan upaya pemerintah dan Bank Indonesia dalam mendorong percepatan implementasi digital payment atau Gerakan Nasional Non Tunai (GNNT) dan pengembangan program digitalisasi UMKM.Kata Kunci: Intensi Penggunaan, UMKM, QRIS, Digital Payment, Technology Acceptence Model

Effectiveness of QRIS on Motor Vehicle Tax Payment Compliance through the Technology Acceptance Model (TAM) in West Nusa Tenggara

“…In this study, the partial least squares (PLS) classification with structural equation modeling (SEM) technique was used, which can describe the linear relationship between the indicator variables and the latent variables at the same time (Anggita et al, 2019). SEM-PLS is a relevant method for the conduct of studies on complex model research in relation to multivariate structures (Sholihah & Nurhapsari, 2023).…”

“…Technological developments make it easier for people in aspects of life that can fulfill their daily needs and activities (Nadia & Wiryawan, 2022;Sholihah & Nurhapsari, 2023). If a technology is easy to use, people will use it more often and may experience increased usage (Ningsih et al, 2021; C. N. Saputri & Rivai, 2022).…”

“…This perception is also the case for taxpayers who have QRIS as part of their payment system. QRIS is known for its ease of use, lack of hassles, and perceived usability (Sholihah & Nurhapsari, 2023).…”

“…The benefits of the use of e-payment technology will have an impact on the perception of users. If a technology is useful and beneficial to users, then the technology will be used more extensively by society (Ningsih et al, 2021;Sholihah & Nurhapsari, 2023). Then there is the perceived benefit of the use of electronic payments as a program to speed up the completion of work (Rahmawati & Murtanto, 2023).…”

THE INFLUENCE OF THE USE OF QRIS APPLICATION TECHNOLOGY AND FINANCIAL LITERACY ON BUYING AND BUYING TRANSACTION ACTIVITIES IN MSMEs IN LHOKSEUMAWE CITY

“…Data Bank Indonesia (BI) mencatat bahwa 83 persen volume transaksi QRIS didominasi para pelaku Usaha Mikro, Kecil dan Menengah (UMKM). Jumlah ini diklaim mengalami peningkatan dibandingkan tahun-tahun sebelumnya (REPUBLIKA.CO.ID, 2023) QRIS merupakan kombinasi dari banyak kode QR yang disediakan untuk membuat proses transaksi pembayaran jauh lebih cepat, mudah, murah, aman, dan handal (Sholihah & Nurhapsari, 2023).…”