PEMANFAATAN TEKNOLOGI QRIS DALAM MENINGKATKAN KEMUDAHAN TRANSAKSI : STUDI LITERATUR TERHADAP PENGALAMAN PARA PEDAGANG UMKM DI ERA DIGITAL

Abstract

The use of Quick Response Code Indonesian Standard (QRIS) as a digital payment technology has become a significant innovation in supporting financial transaction transformation, particularly in the Micro, Small, and Medium Enterprises (MSMEs) sector. This study aims to examine the benefits and challenges of QRIS implementation based on literature and the experiences of MSME actors in the digital era. The method used is a descriptive qualitative literature review that gathers data from academic journals, articles, and official reports related to QRIS implementation in Indonesia. The findings show that QRIS facilitates transactions, accelerates payment processes, enhances security, and promotes financial recording efficiency for MSMEs. Furthermore, QRIS plays a vital role in expanding access to digital financial services, promoting financial inclusion, and increasing the income of business actors. However, challenges such as limited digital literacy, unstable internet connections, and merchant discount rate (MDR) fees remain obstacles to the sustainability of QRIS implementation among small-scale merchants. These findings highlight the importance of government support, financial institutions, and public education in accelerating the adoption of inclusive and sustainable digital payment systems.