THE INFLUENCE OF QRIS ON CHANGES IN TRANSACTION PATTERNS AND CONSUMER BEHAVIOR

Quick Response Code Indonesian Standard (QRIS) is a digital payment system developed by Bank Indonesia to facilitate more efficient non-cash transactions. This study aims to analyze the impact of QRIS implementation on changes in transaction patterns and consumer behavior in Indonesia. Using a descriptive qualitative method and literature review, this research discusses how QRIS influences consumer transaction habits, the benefits and challenges of its implementation, and its contribution to financial inclusion. The findings show that QRIS encourages the adoption of digital payments, improves transaction efficiency, and reduces dependence on cash. However, challenges such as low digital financial literacy and cybersecurity concerns remain significant obstacles. Therefore, further socialization and education are needed to increase the widespread adoption of QRIS in society.