What type of study is this?

This is a Quantitative Study study.

September 23, 2025

Exploring How Compatible QRIS Adoption is in The Role of Trust, Security, and Compatibility

Key Points

Perceived security significantly influences compatibility in QRIS adoption among MSMEs.
Trust exhibits a less pronounced impact on QRIS adoption compared to security.
Data was analyzed using SmartPLS from a sample of 54 respondents from Universitas Muhammaddiyah Purwokerto.
Results support the need for enhancing security measures to foster digital payment adoption in emerging markets.

Abstract

This study examines the adoption of the Quick Response Code Indonesian Standard (QRIS) among micro, small, and medium enterprises (MSMEs) in Indonesia, focusing on the roles of trust, security, and compatibility. Utilizing a quantitative research approach, data were collected from 54 respondents of Universitas Muhammaddiyah Purwokerto Students, and analyzed using SmartPLS. The findings reveal that perceived security significantly influences compatibility, whereas trust exhibits a less pronounced impact. These results highlight the importance of robust security measures in fostering QRIS adoption, supported by theoretical frameworks such as the Technology Acceptance Model (TAM) and Transaction Cost Theory. Practical implications include prioritizing security enhancements and educational initiatives to improve digital literacy. The study contributes to understanding digital payment adoption dynamics and offers a foundation for optimizing QRIS implementation in emerging markets.

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