Behavior of Using Indonesian Standard Quick Response Code (QRIS) in Micro, Small and Medium Enterprises (MSME) in Bengkulu City

Abstract

The growth of internet penetration in Indonesia can also cause changes in the lifestyle of Indonesian people to become all-digital, one of which is in transacting using smartphones. Digital transaction payments refer to all types of payments using digital instruments which include mobile payments, electronic wallets, and so on. This study aims to analyze the adoption rate of QRIS payment methods in Bengkulu City from the perspective of MSME actors, study the behavioral factors of MSMEs that adopt QRIS in Bengkulu City and formulate recommendations that can be applied in the use of QRIS as a payment method by MSME actors in Bengkulu city. This study has a population of 707 business actors. The sampling technique used is non-probability sampling. Data was collected by distributing questionnaires. The questionnaire was distributed to 256 respondents of MSME actors. The selection of respondent samples used the slovin method. Statistical analysis used by the Structural Equation Model (SEM) PLS.