Does QRIS Really Improve MSME Performance? A TAM-Based Sequential Explanatory Study in Lampung, Indonesia
Abstract
The increasing competitiveness and performance of micro, small, and medium enterprises (MSMEs) is significantly driven by the digital payment transformation towards the Quick Response Code Indonesian Standard (QRIS). However, there is still limited empirical evidence on how the Technology Acceptance Model (TAM) components and social influence shape QRIS usage and its impact on MSMEs performance. The purpose of this study is to examine how people's perceptions of usefulness, ease, convenience, trust, and social influence QRIS adoption. Furthermore, this study will also investigate how QRIS adoption impacts MSMEs performance in Lampung Province. This study was conducted using a mixed-methods, sequential explanatory design. The quantitative phase involved 198 small and medium enterprises (MSMEs) using QRIS, selected using a purposive-snowball sampling technique. After financial reports and questionnaires were collected, PLS-SEM was used to analyze the data. To enhance and explain the quantitative findings, a qualitative process was conducted through in-depth interviews. The results showed that perceived usefulness, ease, and trust had a positive and significant influence on QRIS usage. Perceived convenience and social influence, on the other hand, did not. It has been proven that the use of QRIS improves MSMEs performance by increasing transaction volume, sales, profits, and operational cost efficiency. The results indicate that improving digital literacy and system security elements are crucial to driving better QRIS adoption among MSMEs.
References
Abrahim Sleiman, K. A., Juanli, L., Lei, H. Z., Rong, W., Yubo, W., Li, S., Cheng, J., & Amin, F. (2023). Factors that impacted mobile-payment adoption in China during the COVID-19 pandemic. Heliyon, 9(5), e16197. https://doi.org/10.1016/j.heliyon.2023.e16197
Amoroso, D. L., & Magnier-Watanabe, R. (2012). Building a research model for mobile wallet consumer adoption: The case of mobile Suica in Japan. Journal of Theoretical and Applied Electronic Commerce Research, 7(1), 94–110. https://doi.org/10.4067/S0718-18762012000100008
Bagus, N., Sudiatmika, P., Ayu, I., Martini, O., & Nasional, P. (2022). FAKTOR-FAKTOR MEMPENGARUHI NIAT QRIS Jurnal Magister Manajemen Unram. 11(3), 239–254. https://doi.org/10.29303/jmm.v11i3.735
BEAUCHAMP, MICHELLE BEDNARZ; PONDER, N. (2010). PERCEPTIONS OF RETAIL CONVENIENCE FOR IN-STORE AND ONLINE SHOPPERS. Marketing Management Journal, Vol 20(1), p49-65.
Cao, Y., Ajjan, H., Hong, P., & Le, T. (2018). Using social media for competitive business outcomes: An empirical study of companies in China. Journal of Advances in Management Research, 15(2), 211–235. https://doi.org/10.1108/JAMR-05-2017-0060
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Devi, A., Yanti, T., & Suryani, E. (2025). The Influence of Digital Payment on Financial Performance Moderated by Gender ( An Empirical Study on Msmes in Lombok Island ). Journal of Economics, Finance and Management Studies, 08(03), 1426–1435. https://doi.org/10.47191/jefms/v8
Fajrin, M. U., & Tiorida, E. (2020). Faktor yang Memengaruhi Minat Perilaku Penggunaan Teknologi (Studi : Pengguna Aplikasi Video Conference selama Physical Distancing). Prosiding The 11th Industrial Research Workshop and National Seminar, 977–984.
Frank Gahapa Talom, R. K. T. (2019). The Impact of Mobile Money on the Financial Performance of the SMEs in Douala, Cameroon. MDPI. https://doi.org/doi:10.3390/su12010183
Gupta, P., Seetharaman, A., & Raj, J. R. (2013). The usage and adoption of cloud computing by small and medium businesses. International Journal of Information Management, 33(5), 861–874. https://doi.org/10.1016/j.ijinfomgt.2013.07.001
Hadi Putra, P. O., & Santoso, H. B. (2020). Contextual factors and performance impact of e-business use in Indonesian small and medium enterprises (SMEs). Heliyon, 6(3), e03568. https://doi.org/10.1016/j.heliyon.2020.e03568
Juan, E., & Indrawati, L. (2023). Pengaruh Kepercayaan, Persepsi Kemudahan Penggunaan, Dan Brand Image Terhadap Kepuasan Konsumen Melakukan Pembayaran Menggunakan Qris. K&K_Jurnal Manajemen, 2(1), 313–325.
Junadi, J., & Sfenrianto, S. (2017). A Model of Factors Influencing Consumer ’ s Intention To Use E-payment System in Indonesia A Model of Factors Influencing Con sumer ’ s Intention To Use E-Payment System in Indonesia. Procedia - Procedia Computer Science, 59(December 2015), 214–220. https://doi.org/10.1016/j.procs.2015.07.557
Kwabena, G.-Y., Qiang, M., Wenyuan, L., Ali Qalati, S., & Erusalkina, D. (2019). EPRA International Journal of Economic and Business Review EFFECTS OF THE DIGITAL PAYMENT SYSTEM ON SMES PERFORMANCE IN DEVELOPING COUNTRIES; A CASE OF GHANA. December, 79–87. https://doi.org/10.36713/epra2012
Lampung, O. P. (2022). Informasi Untuk Mempermudah Pembayaran Dengan QRIS. Lampung Premprov.
Mahyuni1, L. P., & Setiawan, I. W. A. (2021). Bagaimana QRIS Menarik Minat UMKM ? Sebuah Model Untuk Memahani Intensi UMKM Menggunakan QRIS How Does QRIS Attract Msmes ? A Model To Understand The Intentions Of Smes Using QRIS. Forum EKonomi, 23(4), 735–747.
Mubarok, M. A., & Purnamasari, P. E. (2025). The Impact of Online Sales and QRIS on UMKM Income with Financial. Journal of Management, 18(2), 2–7.
Noegraheni, H. P. D. E. (2014). TERHADAP REPURCHASE PADA KASKUS Hartiwi Prabowo ; Darman ; Enny Noegraheni. Binus Business Review, 5, 301–314.
Owusu, P. R., Asiedu, E. P., Ji, J., & Sarpong, F. A. (2022). Innovation and Evaluation of Technology Acceptance Model (Tam) in S-Commerce: A Case of Social Media Platforms in Ghana. Journal of Computer and Communications, 10(03), 100–124. https://doi.org/10.4236/jcc.2022.103007
Pangestu, M. G. (2022). Behavior Intention Penggunaan Digital Payment QRIS Berdasarkan Model Unified Theory of Acceptance and Use of Technology (UTAUT) (Studi pada UMKM Sektor Industri Makanan & Minuman di Kota Jambi). Jurnal Ilmiah Manajemen Dan Kewirausahaan (JUMANAGE), 1(1), 29–37. https://doi.org/10.33998/jumanage.2022.1.1.23
PHAN, T. N., HO, T. V., & LE-HOANG, P. V. (2020). Factors Affecting the Behavioral Intention and Behavior of Using E–Wallets of Youth in Vietnam. The Journal of Asian Finance, Economics and Business, 7(10), 295–302. https://doi.org/10.13106/jafeb.2020.vol7.n10.295
Putri, V. S., & Mahadian, A. B. (2021). SOSIAL , DAN KONDISI PENDUKUNG TERHADAP MINAT PEMANFAATAN APLIKASI E-CLINIC DI KOTA BANDUNG Jurnal Ilmu Komunikasi. Jurnal Ilmu Komunikasi, 1–12.
Rahman, A., Hakim, S. H., & Pratomo, W. A. (2024). The Impact of QRIS Policy on the Development of Micro Businesses in Medan City , Indonesia. Journal of Economics, Business, & Accountancy Ventura, 26(3), 294–305. https://doi.org/10.14414/jebav.v26i3.3585
Rizi, Y. A., Dharma, F., Amelia, Y., & Prasetyo, T. J. (2023). Factors Affecting Trust and Interest in Transactions By Indonesian Msme Sellers in E-Commerce. Journal of Indonesian Economy and Business, 38(1), 19–42. https://doi.org/10.22146/jieb.v38i1.4394
Sholihah, E., & Nurhapsari, R. (2023). Percepatan Implementasi Digital Payment Pada UMKM : Intensi Pengguna QRIS Berdasarkan Technology Acceptance Model. 12(1), 1–12.
Sochiffan, D. (2022). Kepercayaan Wajib Pajak Dalam Pembayaran Pajak Menggunakan Qris Melalui Technology Acceptance Model (Tam) Pada Dinas Pendapatan Daerah Kota Samarinda. Jurnal Riset Pembangunan, 5(1), 33–44. https://doi.org/10.36087/jrp.v5i1.117
Sun, H., & Zhang, P. (2006). The role of moderating factors in user technology acceptance. International Journal of Human Computer Studies, 64(2), 53–78. https://doi.org/10.1016/j.ijhcs.2005.04.013
Susanto, E., & Jimad, N. (2019). Pengaruh Persepsi Penggunaan Technology Acceptance Model (TAM) Terhadap Penggunaan E-filling. Jurnal Akuntansi Peradaban, 5(1), 104–125.
Tajudeen, F. P., Jaafar, N. I., & Ainin, S. (2018). Understanding the impact of social media usage among organizations. Information and Management, 55(3), 308–321. https://doi.org/10.1016/j.im.2017.08.004
Tengeh, R. K., & Talom, F. S. G. (2020). Mobile money as a sustainable alternative for smes in less developed financial markets. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 1–21. https://doi.org/10.3390/joitmc6040163
Tyas, E. I., & Darma, E. S. (2017). Pengaruh Perceived Usefulness, Perceived Ease of Use, Perceived Enjoyment, dan Actual Usage Terhadap Penerimaan Teknologi Informasi: Studi Empiris Pada Karyawan Bagian Akuntansi dan Keuangan Baitul Maal Wa Tamwil Wilayah Daerah Istimewa Yogyakarta. Reviu Akuntansi Dan Bisnis Indonesia, 1(1), 25–35. https://doi.org/10.18196/rab.010103
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478. https://doi.org/10.2307/30036540
Vide, R. K., Hunjet, A., & Kozina, G. (2022). Enhancing Sustainable Business by SMEs’ Digitalization. Journal of Strategic Innovation and Sustainability, 17(1), 13–22. https://doi.org/10.33423/jsis.v17i1.5013
Wardhani, R. A., Arkeman, Y., & Ermawati, W. J. (2023). The Impact of Quick Response Adoption of Payment Code on MSMEs’ Financial Performance in Indonesia. International Journal of Social Service and Research, 3(3), 869–878. https://doi.org/10.46799/ijssr.v3i3.294
Wijaya, K., & Handriyantini, E. (2020). Analisis Faktor Yang Mempengaruhi Behavioral Intention Pada Online Marketplace Menggunakan Model Utaut(Studi Kasus : Shopee). Seminar Nasional Teknologi Informasi Dan Komunikasi STI&K (SeNTIK), 4(1), 323–332.
Yolanda, A., & Widijoko, W. (2014). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Kenyamanan, Dan Norma Subjektif Terhadap Minat Menggunakan Electronic Commerce (E-commerce). Jurnal Ilmiah Mahasiswa FEB, 2(2), 1–20.
Yora Kurnia Ilahi NF, M. S. (2022). Faktor-Faktor ( Benefits , Trust , Easy of Use , dan Security ) Yang Mempengaruhi Persepsi Konsumen Dalam Menggunakan QRIS Pada Generasi Milenial Kota Batam. Business, Proceeding Applied, 2021(November), 17–19.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
