PENERIMAAN DAN PENGARUH PENGGUNAAN QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) PADA USAHA MIKRO, KECIL, DAN MENENGAH

This study aimed to identify the factors influencing the adoption of the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) in the D.I. Yogyakarta Region and its surrounding areas, as well as to examine the impact of this payment method on MSMEs' performance. By utilizing an extended Technology Acceptance Model (TAM) and Structural Equation Modeling-Partial Least Square (SEM-PLS), this research explored the relationships between perceived ease of use, attitude towards using, behavioral intention, actual use, and SMEs performance. The findings revealed that perceived ease of use significantly influenced attitude towards using, which in turn positively impacted behavioral intention and actual use. Furthermore, actual use was found to have a significant positive effect on SMEs performance. Path analysis also indicated a mediation relationship, whereby attitude towards using had a significant positive impact on SMEs performance through behavioral intention and actual use. These findings highlight the importance of government efforts to cultivate a positive attitude among MSMEs towards QRIS, particularly by enhancing perceived ease of use.