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In the current era of digital payment system transformation, the use of Quick Response Code Indonesian Standard (QRIS) has become one of the main trends in the ease of financial transactions. This research aims to explore the trends and challenges faced in transaction security using QRIS. This study uses qualitative research methods and analyzes literature, identifying various aspects of the use of QRIS, including its advantages in imitating digital payment systems. The results of the study show that by implementing advanced data encryption and transaction authentication, QRIS has significantly improved transaction security. In addition, this system encourages the growth of the digital ecosystem and financial inclusion by making it easier to integrate various payment platforms. Although QRIS helps prevent fraud with a verification mechanism and surveillance of suspicious actions, there are still problems. One of them is the need to educate users about security practices. In addition, QRIS has provided a strong foundation for the development of new technologies, encouraging innovation in digital payment systems. When various stakeholders in the payments ecosystem work together, the user experience becomes better. Although innovation has many advantages, the management of new technologies and compliance with safety standards are still a problem. Overall, QRIS offers a secure and integrated payment solution while allowing for innovation. To maximize the benefits of QRIS, all parties must continue to improve their understanding of security, support financial inclusion, and adapt to the latest innovations. [ABSTRACT FROM AUTHOR]

Background: Child care quality rating and improvement systems exist to inform child care decisions and improve the quality of care. While previous research has shown QRIS have effects on quality, less is known about how child care providers vary in engagement and improvement within QRIS. In a voluntary QRIS, it is important to understand how providers vary in motivation, engagement, and progress within the system. Objective: Identify provider characteristics and attitudes that predict QRIS quality advancement. Identify and describe provider subgroups whose rates of quality improvement were different. Method: A random sample of providers (N = 179) and their coaches were interviewed five times over 2 years. The outcome was change in QRIS levels. Predictors were type of care, personal/professional characteristics, QRIS motivation, and coach perceptions of provider motivation and likelihood to advance. Linear regression was used to model change in QRIS level over five time points. Latent profile analysis was used to sort providers into classes. Results: Significant overall predictors of QRIS change were providers' education level and fewer years of experience, and coach's perception of the provider's likelihood to advance. Four subgroups in the latent profile analysis varied by rate of advancement, type of care, education, experience, professional engagement, QRIS motivation, and general readiness to change. Conclusions: Results point to the importance of assessing early and continuing attitudes, engagement, professionalization, and education of participating child care providers. The incentives and needs of providers in most QRIS will vary widely. Technical support geared to provider characteristics will be more effective in improving within QRIS. [ABSTRACT FROM AUTHOR]

The rapid digitalization of financial transactions has led to the widespread adoption of technology-based payment systems among Micro, Small, and Medium Enterprises (MSMEs). One significant innovation in Indonesia is the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia in 2019 to streamline digital payments through a unified QR code. This study explores the impact of user convenience, trust, and risk perception on QRIS user satisfaction, and further examines how these factors influence the overall use of QRIS among MSMEs in Palopo City. Using a quantitative approach, data were collected from 52 MSME actors and analyzed with SPSS V.25 to assess the relationships between variables. The results indicate that user convenience and risk perception have a significant impact on user satisfaction, while trust did not show a direct effect. Furthermore, risk perception was found to have a direct significant influence on the use of QRIS, whereas user satisfaction did not mediate the relationship between user convenience, trust, and QRIS use. The findings highlight the importance of addressing risk concerns and enhancing user satisfaction to promote broader QRIS adoption. The study contributes to the growing body of knowledge on digital payment adoption and offers practical insights for improving the user experience, particularly in regions with varying digital literacy and technological infrastructure. [ABSTRACT FROM AUTHOR]

Background: In an era where digital finance is growing rapidly, the Quick Response Code Indonesian Standard (QRIS) revolutionizes the payment system through a single unifying code. This study brings novelty in integrating TRAM and Trust in the adoption of QRIS in micro, small, and medium enterprises (MSMEs) in Indonesia, for which studies are still limited. Objective: To observe determinants of QRIS adoption by integrating the Technology Readiness Acceptance Model (TRAM) and Trust in the emerging Indonesian market where QRIS is in a growing stage. Methods: This study collects data through the survey of 210 MSME owners and staff who are familiar with and/or have used QRIS through convenience sampling. In analyzing the data, this study uses the Structural Equation Model-Partial Least Square (PLS-SEM) to examine the relationship between variables that explain influencing factors of QRIS adoption. Results: The results show that 7 of 13 hypotheses were accepted; optimism and trust positively significantly affect perceived ease of use and perceived usefulness, while insecurity and innovation have no significant influence on perceived ease of use and perceived usefulness. Besides, this study shows unexpected positive results between discomfort, perceived ease of use, and perceived usefulness. Overall, the proposed TRAM and Trust model contributes 60.9 % in explaining QRIS adoption. Conclusion: This study emphasizes the importance of optimism, discomfort, trust, perceived ease of use, and perceived usefulness in influencing QRIS adoption in micro and small businesses in Indonesia. It guides QRIS providers, policymakers, financial institutions, and MSMEs in having effective QRIS adoption in business operations. [ABSTRACT FROM AUTHOR]

This research was conducted to provide an overview of the benefits felt by MSMEs in the food sector in the form of increased turnover, customers, and assets in implementing QRIS (Quick Response Indonesian Standard) as an alternative digital-based payment media. A qualitative approach with the case study method was used in this research. The object of this research is QRIS itself, then MSME actors operating in the culinary sector are the subjects of this research. The focus of this research lies in MSMEs in the Mandalika SEZ area because this area is now one of the tourist areas that is currently busy with visitors. This research uses data collection methods in the form of structured and in-depth interviews, documentation, and also observation. Interviews were conducted with MSME actors in the area around the Mandalika SEZ. The selection of resource persons is based on businesses that have permanent buildings, have implemented or are currently implementing QRIS, have employees, and are preferably owned by the local community. After the data is collected, the researcher analyzes the data and then presents it so that the research results are obtained, then a conclusion is drawn. The results of this research show that the existence of a QRIS-based digital payment system can provide benefits for MSME players in terms of increasing turnover and customers but has not yet caused an increase in assets.

Research Purposes. This study aims to investigate the influence of cashless payment on micro, small, and medium enterprises sustainability. Research Methods. The sample used is a non-probability sample of 100 business actors in Ambon City with data analysis techniques, namely Structural Equation Modeling (SEM) through SmartPLS4 software to analyze the relationship between variables. Research Results and Findings. The findings show that cashless payment does not possess any direct correlation with MSMEs sustainability in Ambon. Furthermore, positive and significant correlation from cashless payment to MSMEs sustainability can be established through the mediatory of financial inclusion among the business owners. The result of this study generates enticing implications towards MSMEs which is SMES needs to have wide access to service and product of financial. It will promote improvement of SMES sustainability.

This study explores the pivotal role of trust in mediating the impact of perceived usefulness and ease of use on the adoption of QRIS (Quick Response Code Indonesian Standard) among the residents of Banjarmasin. Employing a purposive sampling method, the research gathered data from 353 QRIS users, predominantly women, across various districts and demographic backgrounds. The results of this research showed that both perceived usefulness and perceived ease of use strongly influence trust, which in turn significantly affects the usage decision. The research corroborates similar studies, emphasizing the necessity of enhancing system usability and trust to foster higher adoption rates. This study provides crucial insights for stakeholders aiming to optimize QRIS as a widely accepted payment platform in Banjarmasin, highlighting the importance of focusing on user-centric design and trust enhancement to drive technological adoption and usage.

Quick Response Code Indonesian Standard (QRIS) is an electronic tool for transactions in Indonesia that uses a standardized national QR code. QRIS helps the growth of micro, small, and medium enterprises and facilitates domestic payment transactions. It also encourages financial inclusion. In this study, the UTAUT technique is used to describe the factors that can influence the tendency to use certain technologies. This study uses quantitative research methods, and the main data collection tool is a questionnaire. In this study, the sample consists of 110 people who work in Micro, Small, and Medium Enterprises and use the Quick Response Code Indonesian Standard (QRIS) digital transaction tool. This study was conducted using structural equation modeling (SEM) along with the partial least squares (PLS) method. The results showed that performance expectations, business expectations, social influence, and supportive conditions significantly influenced the decision or desire of MSME players to use QRIS as a digital payment tool. In terms of using QRIS, only the variables of social influence and enabling conditions affect the behavior of MSME players. However, user intentions may influence the relationship between performance expectations, effort expectations, social influence, and enabling variables that influence usage behavior.

Background: QRIS as a payment method through QR codes has emerged as one of the products initiated by the implementation of the Indonesian Payment System Blueprint (SPI). Purpose: The purpose of QRIS is to expand the efficient acceptance of non-cash payments, focusing on traditional mass economic functions (such as traditional markets and MSMEs). Design/methodology/approach: The analysis in this research utilized Partial Least Square Equation Modeling (PLS-SEM). Findings/Result: The results indicate that habit and hedonic motivation variables have a significant positive influence on behavioral intention, while usage barriers have a significant negative impact on behavioral intention. Furthermore, habit and facilitating conditions variables have a significant positive impact on use behavior. Conclusion: The findings highlight that the decision to use QRIS is largely habitual, influenced by prior experiences and quick decision-making (Hedonic Motivation) at the point of transaction. The decision-making process is no longer lengthy, as QR-based payment systems were already familiar before QRIS implementation in Indonesia. Originality/value (State of the art): The approach of simultaneously measuring acceptance factors and barriers is still rarely employed in technology adoption studies. Evaluating both factors concurrently can provide a more comprehensive assessment of the technology adoption process. [ABSTRACT FROM AUTHOR]

This study explores the role of the Indonesian Standard QR Code (QRIS) in enhancing the business outcomes of micro enterprises in North Bogor Subdistrict. While QRIS has been recognized as a crucial technological advancement for promoting financial inclusion, there remains a reluctance among some micro business owners to adopt it. This research utilizes a descriptive qualitative method, including interviews with micro entrepreneurs who do and do not use QRIS, government officials involved in MSME development, and financial institution representatives. The findings reveal that the adoption of QRIS is often driven by its integration with delivery services rather than its potential to boost business performance. Despite some entrepreneurs experiencing benefits from QRIS, a significant gap in understanding its full potential as a payment method persists. For those not using QRIS, reasons include the efficiency of cash transactions, additional costs, and expectations more on government support in promoting their products to achieve business growth. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Social & Technology / Jurnal Sosial dan Teknologi (SOSTECH) is the property of Green Publisher and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The document provides a list of references and citations from various sources related to the adoption and usage of digital payment systems, specifically in Indonesia. The sources cover topics such as the drivers and barriers for older adults in online shopping, the factors influencing mobile payment service usage, consumer adoption of mobile payments, and the impact of digital payments on small and medium enterprises. The document also includes references to studies on digital payment adoption in India and Malaysia, as well as the use of QR code payments in Indonesia. [Extracted from the article]

This study aims to examine the impact of digitalization on the performance of MSMEs, focusing on how the adoption of e-commerce and QRIS affects the sales performance of MSMEs in West Java through competitive advantage. The study also explores the potential of MSMEs in the current era of digitalization and provides recommendations based on the obtained results to support the growth of MSMEs on a national scale. To achieve these objectives, the study employs a quantitative analysis method. The quantitative component focuses on statistical analysis of the e-commerce and QRIS utilization among West Java MSMEs, MSMEs' sales performance, and MSMEs' competitive advantages in digitally active MSMEs. The analysis method in this study uses non-probability sampling and collected data from 400 MSME owners/actors in West Java. The data was collected using a survey and conducted in a non-contrived setting. This study uses SPSS version 29 for data processing, including validity testing, reliability testing, descriptive analysis, and three classical assumption tests, including normality, multicollinearity, and heteroscedasticity. In this study, a t-test, path analysis, and Sobel test were carried out on hypothesis testing. The study highlights that MSMEs that have successfully integrated digital technologies experienced improved business performance, including increased sales, expanded customer base, and improved operational efficiency. This study also proves the mediating role of competitive advantage which significantly and positively affects sales growth in MSMEs. The results of this study indicate the influence of partial mediation, namely complementary mediation.

Quick Response Indonesian Code (QRIS) is a new innovation that makes payments faster compared to other digital payments as it takes less than a minute to make a payment. Implementing QRIS has a reputation for making every transaction fast, easy and effective. Due to its effectiveness and ease of use, QRIS has exploded in popularity across Indonesia and across generations. Purpose this study explores which factors may influence user satisfaction when using the Quick Response Indonesia standard payment system. In this study, the researchers used a quantitative descriptive study. Based on research conducted by distributing questionnaires to 400 respondents, the results obtained from the correspondent questionnaire were that the percentage of QRIS users was 43.5% between 17-22 years, 38.7% between 22-30 years, 13.2% over 30 years and 4 .6% over 30 years. [ABSTRACT FROM AUTHOR]

Quick Response Code Indonesian Standard (QRIS) merupakan salah satu metode pembayaran non-tunai di Indo-nesia yang memanfaatkan standar kode Quick Response (QR) dengan lebih dari 29,4 juta merchant terdaftar. Seba-nyak 99% merchant yang berada di dalam daftar pengguna QRIS termasuk ke dalam usaha mikro, kecil, dan mene-ngah. Metode pembayaran QRIS tersusun atas 2 jenis kategori, yakni QRIS statis dan QRIS dinamis. Salah satu tujuan pemanfaatan QRIS adalah untuk meningkatkan efisiensi waktu yang digunakan untuk bertransaksi. Peman-faatan jenis QRIS yang tidak tepat dapat berakibat pada meningkatnya jumlah antrian dan membuat pengalaman berbelanja menjadi tidak memuaskan. Penelitian ini menginvestigasi efektivitas dan tingkat efisiensi penggunaan QRIS statis dan dinamis yang menggunakan Merchant Presented Mode (MPM) dalam transaksi belanja atau pem-bayaran transaksi non-tunai pada suatu merchant. Parameter efisiensi yang diukur dalam penelitian ini meliputi waktu yang digunakan dan jumlah langkah yang dibutuhkan oleh pengguna, yaitu pembeli dan penjual, untuk me-nyelesaikan transaksi menggunakan kedua jenis QRIS yang diteliti. Penggunaan sumber daya sistem dalam tran-saksi diabaikan sehingga menjadi batasan penelitian ini. Temuan penelitian ini memperlihatkan bahwa pemanfaat-an QRIS dinamis yang dihasilkan melalui MPM dinilai mampu mempercepat proses transaksi tunggal di mana no-minal dana yang ditransaksikan berbeda-beda. Selain itu, dalam situasi di mana nominal dana yang ditransaksikan sama dan berulang, pemanfaatan QRIS dinamis juga dinilai mampu meningkatkan efisiensi koreografi proses bis-nis. Sehingga, penggunaan QRIS dinamis direkomendasikan untuk orkestrasi proses bisnis tunggal yang bervariasi serta dalam koreografi proses bisnis transaksi yang berulang. Abstract Quick Response Code Indonesian Standard (QRIS) is a cashless payment method in Indonesia that utilizes the Quick Response (QR) code standard with more than 29.4 million registered merchants. More than 99% of QRIS merchants of micro, small, and medium businesses. The QRIS payment method is composed of two types of catego-ries, i.e., static QRIS and dynamic QRIS. One purpose of using QRIS in a shopping transaction is to improve and streamline the time used to complete the transaction. Improper use of QRIS in the transaction process could yield in increasing queues; thus, yielding unsatisfactory customer's shopping experience. This study investigates the effectiveness and efficiency of using cashless static and dynamic QRIS that uses Merchant Presented Mode (MPM) in the transaction process. The investigated parameters include the time required to complete the transactions and the number of steps required by users, i.e., buyer and seller, to complete the transactions using the two types of QRIS investigated. System resources usage is disregarded from the investigation; hence, the limitation of this study. The findings of this study suggested that the use of dynamic QRIS produced through MPM can shorten the local transaction process where the sum between transactions were different. Additionally, in a situation of repeating transaction, the use of dynamic QRIS is suggested to improve the efficiency of business process choreography. Thus, dynamic QRIS is recommended in varying single transactions and in a repeating transaction of business process choreography.

Background: The COVID-19 pandemic situation has compelled society to practice physical distancing. One of the government's efforts is to encourage the use of the QRIS payment method to minimize direct physical contact during transactions. Objective: The purpose of this research is to analyze the primary driving factors in the adoption of QRIS technology. The research urgency is to determine the most contributing predictor from the variables within the UTAUT model among the people of Jabodetabek. Methods: This research used the quantitative method by conducting an online survey among 384 respondents distributed across the Jabodetabek region. The sampling technique utilized was non-purposive sampling with criteria including domicile, age, reasons, frequency, and experience of QRIS usage. Conclusion: The results of the factor analysis test indicate that the performance expectancy and effort expectancy variables are combined into one variable, while the social influence variable is divided into two independent variables. The research findings reveal that the perceived risk variable is the predictor with the most significant contribution in the context of the pandemic situation. Future researchers are expected to be able to develop the research model in other contexts with different goals.

The purpose of this study is to ascertain how MSMEs engaged in batik artisan business in Surakarta decide whether to adopt QRIS (Quick Response Code Indonesian Standard) as a digital payment method, based on their perceptions of the advantages, convenience, and risk. The study used a correlational design with a quantitative approach. This study uses primary data that was gathered from 100 batik artisan MSME owners utilizing a four-point Likert scale questionnaire. SEM-PLS (Structural Equation Model-Partial Least Square) was used for data analysis. The findings show that MSME decisions to use QRIS are significantly influenced by perceived benefits and convenience. This shows that MSMEs feel the benefits, convenience, and benefits of using QRIS. Meanwhile, risk perception does not have a significant effect. This shows that the decision to use QRIS is not influenced by risk perception. Thus, the findings of this study offer an understanding of the elements that affect the adoption of QRIS and form the basis for further security and education improvements regarding the adoption of QRIS as a digital payment system among MSMEs.

This research aims to analyze the impact of QRIS (Quick Response Code Indonesian Standard) convenience on non-cash transaction satisfaction among Bank Muamalat customers, with usage as an intervening factor. Employing a quantitative approach, primary data were collected via questionnaires. The data analysis utilized the Structural Equation Model (SEM) based on Partial Least Square (PLS) and path analysis techniques. The findings reveal a significant positive relationship between the convenience of QRIS and customer satisfaction with non-cash transactions at Bank Muamalat. Additionally, the study demonstrates that usage partially mediates the effect of QRIS convenience on customer satisfaction. This research contributes to the literature by examining the influence of QRIS convenience on non-cash transaction satisfaction, with a particular focus on the mediating role of usage. Understanding the pivotal role of perceived convenience in fostering customer satisfaction and loyalty allows Bank Muamalat to tailor its strategies to better meet customer expectations, thereby promoting continued use of QRIS for non-cash transactions.

Digital technology has rapidly developed in recent years, affecting the culture and patterns of transactions. One of the innovations in digital payments is the emergence of the Quick Response Indonesian Standard (QRIS). However, massive QRIS education at all levels of society is not in line with the community's response, which still maintains traditional payment patterns, especially in the Soloraya area. This study aimed to analyze the factors influencing the adoption of QRIS (technology use). This approach was carried out using technology acceptance model modification theory. A sample of 100 people was obtained using a simple random sampling method in communities located in the former Surakarta (Soloraya) residency, namely Sragen, Sukoharjo, Karanganyar, Wonogiri, Klaten, Boyolali and Surakarta City Regencies. Data analysis techniques with partial least squares structural equation Modelling (PLS-SEM). The results show that all variables in the TAM modification construct consisting of perceived usefulness, perceived ease of use, perceived risk and perceived security influence the decision to use QRIS with intention as a mediating variable.

This research aims to analyze consumer financial behavior using QRIS from Bank Indonesia. The method used is descriptive quantitative with secondary data from the Indonesian Payment Systems Association (ASPI) via the KATADATA website. Research findings show growth in the use of QRIS by 23.97 million traders in December 2022, but the average transaction volume and value per trader is still low. Evaluation of the efforts of payment service providers shows the potential to increase the involvement of registered QRIS merchants, especially in dealing with inactive merchants. This research contributes to understanding the factors that influence consumer financial behavior regarding QRIS and evaluating the effectiveness of PJP strategies. It is hoped that the implications of this research can support the formulation of more effective policies and strategies to increase QRIS adoption and strengthen the digital payments ecosystem in Indonesia. [ABSTRACT FROM AUTHOR]

Digital technology has rapidly developed in recent years, affecting the culture and patterns of transactions. One of the innovations in digital payments is the emergence of the Quick Response Indonesian Standard (QRIS). However, massive QRIS education at all levels of society is not in line with the community's response, which still maintains traditional payment patterns, especially in the Soloraya area. This study aimed to analyze the factors influencing the adoption of QRIS (technology use). This approach was carried out using technology acceptance model modification theory. A sample of 100 people was obtained using a simple random sampling method in communities located in the former Surakarta (Soloraya) residency, namely Sragen, Sukoharjo, Karanganyar, Wonogiri, Klaten, Boyolali and Surakarta City Regencies. Data analysis techniques with partial least squares structural equation Modelling (PLS-SEM). The results show that all variables in the TAM modification construct consisting of perceived usefulness, perceived ease of use, perceived risk and perceived security influence the decision to use QRIS with intention as a mediating variable. [ABSTRACT FROM AUTHOR]

Copyright of Indonesian Journal of Business & Entrepreunership is the property of IPB University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.913. The findings reveal that TAM variables--perceived ease of use, perceived usefulness, perceived enjoyment, and financial literacy--significantly influence the decision of QRIS payment through interest in adopting digital payments as an intervening variable, supported by probability values below 5%. [ABSTRACT FROM AUTHOR]

The purpose of this research is to find out how it is implemented as well as the success factors and inhibiting factors of the ZIS fundraising strategy through the use of the QRIS non-cash payment system at BAZNAS Banyumas Regency. The type of research used in this research is field research, which is descriptive qualitative. Data collection techniques used in this study are interviews, observation, and documentation. Data analysis used in this study includes data reduction, data presentation, conclusion, and verification. Test the validity of the data in this study using triangulation techniques. This research shows that BAZNAS Banyumas Regency in collecting ZIS funds through the QRIS non-cash paid system, applies four strategies, including 1) The segments and targets of QRIS muzakki are the millennial and z generations, 2) Prepare and provide competent human resources, 3) Building a communication system through social media and print media, 4) Develop and implement online zakat services through QRIS. In its implementation, the program attracts the convenience of transactions through QRIS, fosters a sense of empathy for donors with the mustahik distribution and utilization program, collaborates with BSI, provides good services in the form of zakat consultations, reports on the collection and distribution of ZIS funds to muzakki, proof of ZIS deposits, and pray for and thank you note. The success factors include online zakat services, utilizing social media and print media to promote ZIS payments through QRIS, and QRIS can be accessed 24 hours. The inhibiting factors are the lack of public awareness of paying ZIS, public understanding regarding digital technology, and the lack of special socialization of ZIS payments through QRIS. [ABSTRACT FROM AUTHOR]

This research aims to analyze the use of e-wallets by involving 384 sample respondents. Quantitative methods were used in this research with purposive sampling techniques. Analysis uses Structural Equation Model (SEM) via SmartPLS software version 4.0.0. The research results show that ease of transactions and partial privacy security have a positive and significant influence on user experience. Furthermore, user experience has a strong, positive, and significant influence on reuse decisions. In addition, ease of transaction and privacy security also have a positive and significant influence on reuse decisions through user experience as an intervening variable. This research provides important insight into the factors that influence the decision to reuse the QRIS Mobile Banking feature in Madiun City, as well as observing the importance of user experience in mediating the relationship between ease of transaction and privacy security with the decision to reuse e-wallets.

The purpose of this research is to find out how it is implemented as well as the success factors and inhibiting factors of the ZIS fundraising strategy through the use of the QRIS non-cash payment system at BAZNAS Banyumas Regency. The type of research used in this research is field research, which is descriptive qualitative. Data collection techniques used in this study are interviews, observation, and documentation. Data analysis used in this study includes data reduction, data presentation, conclusion, and verification. Test the validity of the data in this study using triangulation techniques. This research shows that BAZNAS Banyumas Regency in collecting ZIS funds through the QRIS non-cash paid system, applies four strategies, including 1) The segments and targets of QRIS muzakki are the millennial and z generations, 2) Prepare and provide competent human resources, 3) Building a communication system through social media and print media, 4) Develop and implement online zakat services through QRIS. In its implementation, the program attracts the convenience of transactions through QRIS, fosters a sense of empathy for donors with the mustahik distribution and utilization program, collaborates with BSI, provides good services in the form of zakat consultations, reports on the collection and distribution of ZIS funds to muzakki, proof of ZIS deposits, and pray for and thank you note. The success factors include online zakat services, utilizing social media and print media to promote ZIS payments through QRIS, and QRIS can be accessed 24 hours. The inhibiting factors are the lack of public awareness of paying ZIS, public understanding regarding digital technology, and the lack of special socialization of ZIS payments through QRIS.

QRIS, a mobile payment transaction system standardized by Bank Indonesia, has become the subject of extensive public discourse on Twitter. Employing VADER for sentiment analysis and LDA for topic modeling, this study aims to capture the nuanced perspectives of the Indonesian public toward QRIS. Our methodology includes real human validation for tweets that have been initially labeled by VADER. Our unique contributions lie in employing a mixed-methods approach for comprehensive sentiment and topic analysis, as well as making our dataset publicly available for future research. We achieve a sentiment labeling accuracy of 81.66%, uncovering that 67% of the sentiment towards QRIS is positive, 28.2% negative, and 4.17% neutral. Positive tweets mostly cover six dominant topics with a value of 0.488037, whereas negative sentiments are concentrated around three dominant topics with a value of 0.383938. These findings not only affirm the generally positive public response towards QRIS but also highlight areas requiring attention for its continued success. Our study translates these insights into actionable recommendations, aiming to provide a multidimensional understanding that stakeholders can leverage for system enhancement. This study serves as a foundation for future works in sentiment analysis and public opinion mining related to financial technologies, particularly in the Indonesian context.

The Covid-19 pandemic has drastically changed the way we interact with the world, including in making contributions such as Zakat, Infaq, and Shadaqoh. Masjid At Taqwa PCM Kebayoran Baru seeks to adopt Quick Response Code Indonesia Standard (QRIS) technology as a digital tool to facilitate the contribution process during this pandemic. This study aims to evaluate the preference of Masjid At Taqwa worshippers towards the use of QRIS for Zakat, Infaq, and Shadaqoh donations during the Covid-19 pandemic. The research method used is quantitative data analysis to analyze survey data from questionnaires, such as regression to see correlations between variables. Data was collected through questionnaires and interviews to assess users preferences for QRIS as a digital tool to contribute. Research findings show that Masjid At Taqwa worshippers tend to receive and use QRIS effectively for their contributions during the Covid-19 pandemic. QRIS has the potential to be an effective tool for fundraising purposes. The use of QRIS as a digital means of Zakat, Infaq, and Shadaqoh at Masjid At Taqwa PCM Kebayoran Baru has great potential in increasing the efficiency and convenience of the contribution process during the Covid-19 pandemic.

This service activity aims to improve the skills of Salon Yudi's MSME partners in using the QRIS digital payment system application in an effort to increase business competitiveness in the digital era. The method of implementing this service uses socialization and mentoring. The target of this activity is to increase the competitiveness of MSMEs through non-cash transaction processing services so that they run quickly and efficiently. The evaluation instrument for this activity uses an interview sheet and is analyzed descriptively. The results of this service show that Salon Yudi partners have the knowledge and skills to apply the QRIS digital payment system to their customers. This positive impact is shown by the faster payment processing time for customers, making it more efficient and fulfilling the need for customers to use the payment process, which is currently non-cash.

Research Purposes: This study aims to examine the effect of financial technology on financial inclusion in the coffee shop business, where financial technology is represented by cashless payment, market aggregator, risk and investment management. Research Methods: This study used a quantitative approach with survey method to coffee shop entrepreneurs who using QRIS in Ambon City. Research Results and Findings: The results show that partially cashless payment and market aggregator have a significant effect on financial inclusion, but risk and investment management has no effect on financial inclusion. The implication is for the government and financial institutions to socialize and educate MSME owners regarding the types of fintech risk and investment management so that MSME owners know and allocate funds for investment, because the development of MSMEs is able to boost the Indonesian economy.

The use of QRIS in the payment system used by halal MSMEs, there are still many limitations and problems that often arise, so in this case, researchers try to construct the Technology Acceptance Model theory, and Theory of Planned Behaviour, which aims to see the extent of its influence on the intensity of halal MSMEs in using QRIS. This research is quantitative research, with the SmartPLS analysis tool. The object of research is Halal MSMEs in the city of Medan. The questionnaire distribution uses two methods, namely online and offline. As for what is obtained, the X1 variable (Technology Acceptance Model) has a non-significant effect on variable Y (MSME intensity using QRIS) is 1.476 or 14.76%. Then the X2 variable (Theory of Planned Behavior) has a significant effect on Y (Intensity of halal MSMEs using QRIS) is 7,245 or 72.45%.

As a result of patchwork policies, early childhood education (ECE) providers combine funding from multiple sources, known as blended funding. However, little is known about the consequences of blended funding for policy goals. We use national ECE provider data to identify the prevalence of blended funding models, and detailed state quality rating data to describe the relation between funding and quality through the lens of organizational theory. We operationalize blended funding as the total number of revenue sources, which reflects participation in multiple ECE institutions. Results emphasize that combining funding from distinct ECE policies within programs is a typical practice for ECE providers, and reveal a positive association between a provider's number of funding sources and program quality. [ABSTRACT FROM AUTHOR]

Copyright of Alauddin Law Development Journal is the property of Alauddin Law Development Journal (ALDEV) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Jurist-Diction is the property of Universitas Airlangga and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This study aims to determine the effect of lifestyle, perceived convenience, and promotion on the decision to use the Indonesian Standard Quick Response Code (QRIS). Indonesia has already developed a QR Code-based transaction system that can be used for digital payments and is known as QRIS (Quick Response Code Indonesian Standard). This research is a quantitative study with a total of 349 respondents QRIS users in Indonesia who are over 17 years old. Sampling used a convenience sampling of nonprobability sampling technique by distributing questionnaires on social media. Data processing using SPSS software. This result shows that there are positive significan influence between lifestyle on the decision to use, positive influence between perceived convenience on the decision to use, and positive influence between promotions on the decision to use. This research is hoped to be able to support the growth and acceptance of QRIS as an increasing popular digital payment tool in Indonesia. [ABSTRACT FROM AUTHOR]

Bank Indonesia launched a digital payment system innovation to build a better Indonesian economic system. The payment system established is QRIS. QRIS payments can facilitate the settlement of transactions made by the people of Indonesia and can also be effective, efficient, and a guaranteed technology security system. The variables used in this study are Social Influence, Perceived Usefulness, Perceived Ease of Use, and Perceived Trust using the Technology Acceptance Model (TAM) research method. Research data is processed using the Smart-PLS application to obtain valid calculation results. This study aims to determine the effectiveness of QRIS users, user trust in the QRIS security system, and user satisfaction using QRIS. Based on the research results that have been carried out, implementing a cashless has made good progress in using transactions through QRIS. From the research survey results, 522 respondents used QRIS, and 54 respondents did not use QRIS. This can be seen from the respondents influence in every Indonesian region. It can be seen that the implementation of QRIS has made good progress in the use of transactions through QRIS users, which can be seen from the presence of respondents in every region of Indonesia. However, in some cases, there is a lack of facilities and infrastructure for transactions via QRIS because interest in using QRIS is still lacking in areas outside Jabodetabek. From the results of research conducted by the author, the hypothesis that the author obtained was 8, namely Social Influence (SI) has a positive effect on Perceived Usefulness (PU), Social Influence (SI) has a positive effect on Perceived Ease of Use (PEOU), Perceived Usefulness (PU) positively influenced by Perceived Ease of Use (PEOU), Perceived Trust (PT) is positively influenced by Perceived Usefulness (PU), Perceived Trust (PT) is positively influenced by Perceived Usefulness (PU), Behavior Intention of Use (BI) is influenced positively by Perceived Trust (PT), Behavior Intention of Use (BI) is positively influenced by Perceived Usefulness (PU), Use Behavior is positively influenced by Behavior Intention of Use (BI). [ABSTRACT FROM AUTHOR]

Through the G20 forum, Indonesia raised the issue of digital transformation and collaborated with four ASEAN countries. Indonesia is also taking advantage of ASEAN Digital Economy Framework Agreement (DEFA) formation by advocating the interoperability of digital payment systems in ASEAN. This research aims to find out what efforts Indonesia has undertaken to support the realization of ASEAN’s digital economy, focusing from the initial approval of the Local Currency Settlement (LCS) which was approved by Indonesia, Malaysia, Thailand, and Philippines in 2016 until Singapore’s joining the Local Currency Transaction (LTC) framework in 2022. The study used a qualitative research method. The data used is secondary data originating from journals, documents, books, and official websites that are able to support research. The findings reveal that Indonesia’s efforts in supporting ASEAN’s digital economy are carried out by advocating the realization of interoperability in the payment system conducted by Indonesia through cooperation in using QRIS digital payments through the Local Currency Transaction (LCT) framework.

According to the results of a 2022 survey conducted by the Association of Indonesian Internet Service Providers (APJII), internet users in Indonesia continued to increase from 175 million to 220 million users of the total population of Indonesia. The increase was driven by the need for communication during the Covid-19 pandemic in the last two years. Most internet users are on the island of Java, followed by the islands of Sumatra, Kalimantan, Sulawesi, Bali-Nusa, and Maluku-Papua. PT. Tentrem Sejahtera is one of the Inter-City In-Province bus companies based on the island of Java, precisely in East Java. The ordering and payment process is still done manually or offline. Consumers who want to buy tickets must come directly to the terminal, to an authorized agent who has been appointed or do it directly when boarding the bus and make transactions in cash. Where when making manual or cash payments sometimes you have to wait a few minutes to issue money and wait for the ticket given by the conductor, while the level of security in payments is very less, so it is less efficient in this sophisticated era. In addition, there are still unscrupulous brokers at several bus departures who sell tickets that do not match the specified price. This study used the e-wallet electronic payment model method, with a mobile payment system for QRIS-based bus fares. With the National Mercant ID (NMID) listed on the QRIS display, a receipt will be issued on the Thermal Print for proof of payment.

Quick Response Indonesian Standard (QRIS) is the standardization of QR codes as a technology for payment systems established by Bank Indonesia on January 1, 2020. This standardization was formed to provide an easier and more efficient cashless payment system, especially for MSMEs. This study targets to analyze factors, namely product knowledge, perceived usefulness, perceived ease of use, and perceived risk of the intention of using QRIS in Traditional Market MSMEs in Semarang City. The model in this study was developed from the Technology Acceptance Model (TAM) framework and adapted to the context of MSMEs in Indonesia. This research uses an associative quantitative approach. The population in this study was traders in seven traditional markets in the Semarang City area. As empirical data was collected through a questionnaire involving 105 respondents from traders in the traditional market of Semarang City, then analyzed with SEM-PLS analysis techniques with SmartPLS software. The results showed that product knowledge, perceived usefulness, and perceived ease of use positively and significantly affected the intention of using QRIS. Then, perceived risk negatively and significantly affects the intention of using QRIS.

IntroductionThis study explores the predictive power of macro-structural characteristics on quality rating and improvement system (QRIS) outcomes of Family Day Care (FDC) services in Australia.MethodsThe dataset consisted of 441 FDC National Quality Standard (NQS) ratings from all Australian states and territories, with overall ratings of Exceeding NQS, Meeting NQS, Working Towards NQS, or Significant Improvement Required.ResultsMultinomial logistic regressions confirmed that management type, community socioeconomic status (SES), level of urbanization, and government jurisdiction explained 6.9 to 19.3% of the variation in QRIS outcomes. Results indicated that lower FDC NQS ratings were more likely for (1) private for-profit vs. not-for-profit; (2) low-SES vs. high-SES area; and (3) regional or remote area vs. metropolitan. State/territory jurisdiction also influenced NQS ratings.DiscussionThese findings imply the need for policy attention to inequalities in FDC quality associated with systemic and organizational differences. Greater effort is needed to promote equality and equity in FDC services.

The purpose of this study is to study how widely QRIS is used among micro, small and medium enterprises (MSMEs) and how effective QRIS is in transaction processing. Reviewing the experiences of buyers and owners of micro, small and medium enterprises (MSMEs) having used QRIS has outlined the best way to use the system. This study uses a qualitative descriptive methodology. The goal of qualitative research is to bring researchers and the phenomena they study closer together in an interactive process that increases everyone's knowledge. While describing a phenomenon and its characteristics is the main goal of descriptive research. Observations, interviews, and documentation will be used to collect data, which will then be analyzed to provide solutions to the problems formulated and draw conclusions. The research findings show that first, many merchants and the general public do not understand the features and advantages of the program, the installation of a QRIS-based payment gateway for merchant transactions is still not going well. Second, the community and MSME actors are starting to switch to using QRIS because it can minimize the spread of Covid-19. Third, QRIS shows effectiveness in the transaction process during the Covid-19 pandemic which was very effective, besides that there are 2 types of transaction mechanisms using QRIS, the first is Merchant-Presented (push payment) and Customer-Presented (pull payment). [ABSTRACT FROM AUTHOR]

In the midst of the rapid growth of financial technology companies that act as payment system service providers (PJSP) in Indonesia continue to innovate, the Quick Response Code Indonesian Standard(QRIS)is present as a solution to implement innovations in payment systems offered by these fintech companies. This study aims to identify the factors that influence the interest of Gen Z in using the QRIS payment system in the e-wallet. This study used systematic literature review. The result of the study shows that perceived ease of use, perceived usefulness, trust, social influence, dan promotion have a positive, while risk has a negative influence on the interest of Gen Z in Indonesia in using the QRIS payment system in E-wallet. [ABSTRACT FROM AUTHOR]