Analisa Kemudahan, Knowledge dan Security terhadap Quick Response Indonesia Standard (Qris) pada UMKM di Kota Bandar Lampung

QRIS, UMKM, KEMUDAHAN, PENGETAHUAN DAN KEAMNAN

Abstrak

This study analyzes the impact of ease of use, knowledge, and security on the decision to use QRIS among UMKM in Bandar Lampung City. A quantitative causal approach was used, with 141 respondents selected from 118,533 UMKM (BPS, 2023) using Slovin’s formula. Data were collected via Google Forms and analyzed using multiple linear regression. Results show that ease of use significantly influences QRIS adoption, as it simplifies transactions by eliminating cash handling and speeding up payments. Knowledge also has a significant impact, as better understanding of digital payments increases UMKM adoption. Security plays a crucial role, with Bank Indonesia's security measures boosting user confidence, though personal security remains essential. This study concludes that the more accessible, informative, and secure QRIS is, the more likely UMKM are to adopt it. Further digital financial literacy education and enhanced trust in digital payments are key to increasing QRIS adoption in Indonesia.