The Readiness to Adopt QRIS on MSMEs in The City of Samarinda
Kristin Wulansari (a*), Della Olivia Caterina Kalangit (a), Sailawati (b)

a) Business Administration Department, Politeknik Negeri Samarinda
Jalan Cipto Mangunkusumo, Samarinda, Indonesiaa
b) Accounting Department, Politeknik Negeri Samarinda
Jalan Cipto Mangunkusumo, Samarinda, Indonesia

Abstract

QR Code Indonesian Standard (QRIS) developed by Bank Indonesia and the Indonesian Payment System Association can accept all payments, both Bank and Non-Bank. The increasing competitive level of business competition and the need for efficiency and speed effectiveness for payment systems require MSMEs to be ready to adopt QRIS. This study was conducted to measure the readiness of MSMEs in Samarinda to adopt QRIS. The model used is the Technology Acceptance Model with the addition of the trust variable. The data used are primary, 200 respondents. Using the AMOS analysis tools. There are six variables, namely trust, perceived usefulness, perceived ease of use, attitude, behavioral intention, and adoption system. Eight hypotheses are proven to have a significant effect, Trust in perceived usefulness, trust in perceived ease of use, perceived ease of use in perceived usefulness, perceived ease of use in attitude, perceived usefulness in attitude, perceived usefulness in behavioral intentions, attitude in behavioral intention, behavioral intention in adoption system. The readiness to adopt QRIS on MSMEs is expected to have an impact on the acceleration of national economic breeding after the COVID-19 pandemic on MSMEs in the city of Samarinda.

Keywords: QRIS, Trust, TAM, MSMEs

Topic: Economics