The Effect of Perceived Ease, Risk and Financial Literacy on the Use of QRIS as a Digital Payment in MSMEs

Authors

  • Ida Riskawati Universitas Islam Negeri Walisongo Semarang, Indonesia
  • Mardhiyaturrositaningsih Universitas Islam Negeri Walisongo Semarang, Indonesia
  • Saekhu Universitas Islam Negeri Walisongo Semarang, Indonesia

Abstract

Purpose - This study aims to examine the Influence of Perceived Ease, Perceived Risk and Financial Literacy on the Decision to Use the Quick Response Code Indonesian Standard (QRIS) as a Digital Payment in MSMEs.

Method - This research is a quantitative research type with a sample of 100 MSMEs. This study uses multiple regression analysis to identify the Influence of Perceived Ease, Perception of Risk and Financial Literacy on the Decision to Use the Quick Response Code Indonesian Standard (QRIS) as Digital Payment in MSMEs.

Result - The results of this study indicate that there is an influence between Perceived Ease, Perception of Risk and Financial Literacy on the Decision to Use QRIS.

Implication - This study identifies the use of QRIS in MSMEs in Semarang.

Originality - This paper identifies that there are factors of Perceived Ease, Perception of Risk and Financial Literacy as factors causing the decision of MSMEs in Semarang City to use QRIS digital payments.

Keywords:           Financial Literacy, Perceived Ease, QRIS, Risk

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Published

2025-06-10

Issue

Vol. 7 No. 1 (2025)

Section

Articles

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Copyright (c) 2025 Ida Riskawati, Mardhiyaturrositaningsih, Saekhu

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Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.