The Effect Of Effectiveness, Efficiency, And Financial Literacy On The Decision To Use QRIS As A Digital Payment System In Msmes: A Case Study In Surakarta City
Abstrak
The development of digital technology encourages Micro, Small and Medium Enterprises (MSMEs) to adopt a digital payment system (Quick Response Code Indonesian Standard). This study aims to analyze the influence of effectiveness, efficiency, and financial literacy on the decision to use QRIS by MSMEs in the city of Surakarta. The method used is quantitative with a survey approach and purposive sampling techniques to 120 MSME actors. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 27. The results of the study showed that effectiveness and efficiency had a positive and significant effect on the decision to use QRIS, while financial literacy did not have a positive and significant effect. These findings affirm the importance of increasing financial literacy and the use of effective and efficient technology in encouraging the digital transformation of MSMEs. This research provides strategic recommendations for policy makers and MSME actors to accelerate the adoption of digital payments in order to increase business competitiveness in a sustainable manner and support the growth of the digital economy in Indonesia.
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