THE ROLE OF QRIS ON MSMES REVENUE GROWTH AND DEVELOPMENT SUPPORTERS OF A LESS CASH SOCIETY
Keywords:
QRIS, Cashless Transactions, MSMEs, Digital Finance, Less Cash SocietyAbstract
This study addresses the limited integration of financial, technological, and socio-cultural perspectives in existing research on QRIS adoption among MSMEs in Indonesia. Using a qualitative literature review of peer-reviewed journals and national publications from 2022 to 2025, the study synthesizes findings on financial inclusion, operational efficiency, adoption drivers, and cultural-religious acceptance. Results show that QRIS enhances MSME competitiveness by improving record-keeping, expanding credit access, saving transaction time, and enabling integration with digital marketplaces. Adoption is shaped by both the Technology Acceptance Model (perceived usefulness, ease of use, institutional support) and socio-religious compatibility, particularly within Muslim and Hindu communities. The study concludes that QRIS is not only a payment innovation but also a strategic enabler of inclusive and culturally responsive digital transformation. Policy interventions and targeted literacy programs remain essential to maximize its impact.References
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