Adoption of QRIS as a Digital Payment Mode in the Culinary Subsector: A Conceptual Framework Study

DOI

10.2991/978-94-6463-290-3_6How to use a DOI?

Keywords

QRIS; digital payment; MSMEs; culinary subsectors

Abstract

Promoting the use of digital payment and ensuring financial inclusion is crucial in an era where digital transformation and changing behavior change at an unpredicted pace. One of the approaches done by the Indonesian Government Association to streamline digital transactions and enhance financial inclusion is launching the Quick Response Code Indonesian Standard (QRIS). This research study aims to develop a conceptual framework for understanding the adoption of the QRIS in the culinary subsector. The culinary subsector is chosen as it is one of the highest digital adoption sectors in Indonesia. This study employs a qualitative approach to analyze the factors influencing the adoption of QRIS in the culinary subsector, focusing on the unique characteristics and challenges faced by businesses in this industry through a systematic literature review technique. The research draws on existing literature on technology adoption, innovation diffusion, and payment systems to develop a comprehensive conceptual framework. This framework incorporates various factors such as performance expectancy, effort expectancy, facilitating condition, merchant compatibility, relative advantage, perception of ease, perception of risk, trust, and knowledge that are deemed significant in the QRIS adoption on micro and small businesses in the culinary subsector. The finding shows that perception of ease becomes the most significant factor that relates to how QRIS could help them in achieving significant performance. This research is expected to support the growth of digital payment systems in the culinary subsector, fostering financial inclusion, improving transaction efficiency, and driving the overall development of the Indonesian culinary industry.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Adisthy Shabrina Nurqamarani
AU  - Sarah Fadilla
AU  - Ari Juliana
PY  - 2023
DA  - 2023/11/09
TI  - Adoption of QRIS as a Digital Payment Mode in the Culinary Subsector: A Conceptual Framework Study
BT  - Proceedings of the 5th Open Society Conference (OSC 2023)
PB  - Atlantis Press
SP  - 60
EP  - 73
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-290-3_6
DO  - 10.2991/978-94-6463-290-3_6
ID  - Nurqamarani2023
ER  -