Penggunaan QRIS Sebagai Instrumen Pembayaran dan Transformasi Digital: Sebuah Literature Review

The Use of QRIS as a Payment Instrument and Its Role in Digital Transformation: A Literature Review

Abstrak

Abstract: Quick Response Code Indonesian Standard (QRIS) has become a vital digital payment instrument supporting Indonesia's digital transformation for both consumers and MSMEs.

Objective: This study examines QRIS usage and its role in digital transformation, particularly regarding MSMEs and consumer behavior.

Methodology: Employing a literature review of 15 relevant scholarly articles, the research analyzes implementation, benefits, challenges, technology acceptance, consumer behavior, and economic implications.

Research Results: The findings reveal that QRIS enhances transaction convenience and efficiency, drives MSME payment system digitalization, and shifts behavior toward a cashless society. Furthermore, QRIS usage intersects with financial literacy, impulsive buying, and broader economic activities, emphasizing the need to understand it through technological, business, and consumer lenses.