MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance
This study is using a combination of TAM and TPB to explore the intention to use QRIS electronic payments among SMEs in Malang. The sample was collected through a survey and a representative sample of 155 SMEs was obtained. This study used SEM-PLS to analyze the construct model. The results stated t...
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| Format: | Article |
| Language: | English |
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Universitas Tarumanagara
2025-06-01
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| Series: | Jurnal Manajemen |
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| Online Access: | https://ecojoin.org/index.php/EJM/article/view/2681 |
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| author | Farah Fauziah Made Sudarma Erwin Saraswati |
| author_facet | Farah Fauziah Made Sudarma Erwin Saraswati |
| author_sort | Farah Fauziah |
| collection | DOAJ |
| description | This study is using a combination of TAM and TPB to explore the intention to use QRIS electronic payments among SMEs in Malang. The sample was collected through a survey and a representative sample of 155 SMEs was obtained. This study used SEM-PLS to analyze the construct model. The results stated that perceived usefulness, subjective norms and digital literacy significantly affect the intention to be using QRIS electronic payments. The results also show that intention to use QRIS and digital literacy significantly affect digital transformation. Interestingly, perceived convenience has the opposite effect in this study. Other factors influencing the adoption of electronic payments by SMEs and their impact on digital transformation should be explored in the future. This study should help to understand and enrich the theoretical framework so that it can be applied to increase the use of digital payments QRIS and increase digital transformation in the SME sector. |
| format | Article |
| id | doaj-art-66104be4f0d648148081b1078f9e51bb |
| institution | Kabale University |
| issn | 1410-3583 |
| language | English |
| publishDate | 2025-06-01 |
| publisher | Universitas Tarumanagara |
| record_format | Article |
| series | Jurnal Manajemen |
| spelling | doaj-art-66104be4f0d648148081b1078f9e51bb2025-08-20T03:26:29ZengUniversitas TarumanagaraJurnal Manajemen1410-35832025-06-0129237939910.24912/jm.v29i2.26812665MSMEs in Digital Transformation: Determinants of QRIS E-Payment AcceptanceFarah Fauziah0Made Sudarma1Erwin Saraswati2Department of Accounting, Faculty of Economic and Business, Brawijaya University, MalangDepartment of Accounting, Faculty of Economic and Business, Brawijaya University, MalangDepartment of Accounting, Faculty of Economic and Business, Brawijaya University, MalangThis study is using a combination of TAM and TPB to explore the intention to use QRIS electronic payments among SMEs in Malang. The sample was collected through a survey and a representative sample of 155 SMEs was obtained. This study used SEM-PLS to analyze the construct model. The results stated that perceived usefulness, subjective norms and digital literacy significantly affect the intention to be using QRIS electronic payments. The results also show that intention to use QRIS and digital literacy significantly affect digital transformation. Interestingly, perceived convenience has the opposite effect in this study. Other factors influencing the adoption of electronic payments by SMEs and their impact on digital transformation should be explored in the future. This study should help to understand and enrich the theoretical framework so that it can be applied to increase the use of digital payments QRIS and increase digital transformation in the SME sector.https://ecojoin.org/index.php/EJM/article/view/2681actual digital transformation; intention; digital literacy; qris; msme. |
| spellingShingle | Farah Fauziah Made Sudarma Erwin Saraswati MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance Jurnal Manajemen actual digital transformation; intention; digital literacy; qris; msme. |
| title | MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance |
| title_full | MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance |
| title_fullStr | MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance |
| title_full_unstemmed | MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance |
| title_short | MSMEs in Digital Transformation: Determinants of QRIS E-Payment Acceptance |
| title_sort | msmes in digital transformation determinants of qris e payment acceptance |
| topic | actual digital transformation; intention; digital literacy; qris; msme. |
| url | https://ecojoin.org/index.php/EJM/article/view/2681 |
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