Technology Acceptance Model Analysis of Interest in Using the QRIS System in Halal Micro, Small and Medium Enterprises in Sumbawa Besar Regency

Abstract

Purpose — Based on Bank Indonesia's vision of the Indonesian payment system 2025 for digital economic and financial development, one of the innovations that has been carried out and is being widely used is the QRIS service which has a QR Code-based digital payment standard. MSMEs are forced to immediately innovate and adapt quickly, including adopting digital business models. Adoption of technology such as QRIS can be an important factor, therefore this research supports the urgency to understand the interest in using QRIS among Halal MSMEs in Sumbawa Besar Regency by using the TAM (Technology Acceptance Model) conceptual framework which consists of several variables, Perceived usefulness and perceived ease of use, Knowledge, and Risk.

Method — The research methodology uses a quantitative methodology. The population in this research is Halal MSMEs that use the QRIS payment system in Sumbawa Besar Regency. The employed sampling method was purposive sampling with a total sample of 100 Halal MSME respondents who used QRIS. Data gathering was conducted through the distribution of surveys using Google Forms. Data analysis used SPSS version 26.0 software.

Result — The research results demonstrate that the factors influencing usefulness, convenience and knowledge have a positive and significant influence on the interest of Halal MSMEs in using the Quick Response Indonesia Standard (QRIS) payment system. Meanwhile, the risk factor does not exert a significant impact on the interest of Halal MSMEs in using the QRIS payment system in Sumbawa Besar Regency.

Novelty — The research results demonstrate that the factors influencing usefulness, convenience and knowledge have a positive and significant influence on the interest of Halal MSMEs in using the Quick Response Indonesia Standard (QRIS) payment system. Meanwhile, the risk factor does not exert a significant impact on the interest of Halal MSMEs in using the QRIS payment system in Sumbawa Besar Regency.