Digitalization of the Quick Response Indonesian Standard (QRIS) Payment System for MSME Development
Abstract
Digitalization of payment systems in the business world is a certainty at this time. This paper is an initial literature review that will discuss the use of server-based e-commerce, the discussion will present QRIS (Quick Response Code Indonesian Standard), the readiness of MSMEs in using information technology, the application of QRIS on MSMEs, QRIS constraints on MSMEs. This paper is important because the need to use server-based e-commerce is already one of the most popular cashless payment systems. Server-based e-commerce format is e-wallet or digital wallet. This paper is important because it examines the role of regulators and standards in the use of QRIS (QR Code Indonesian Standard). The use of QRIS helps to standardize QR code systems. This research attempts to examine the application of QRIS to MSMEs in terms of the role, limitations, and income of MSMEs with QRIS. The research method used is by tracing literature that uses QRIS as a payment method for the character. This study shows that QRIS offers benefits for MSME traders.
Full Text:
PDFReferences
Achjari, D., Abdillah, W., Suryaningsum, S., & Suratman, S. (2011). Kesiapan Usaha Mikro, Kecil Dan Menengah Industri Kreatif Untuk Mengadopsi Teknologi Informasi. Jurnal Akuntansi Dan Auditing Indonesia, 15(2), 143–160. Retrieved from https://journal.uii.ac.id/JAAI/article/view/3748
APJII. (2019). Penetrasi & Profil Perilaku Pengguna Internet Indonesia Tahun 2018.APJII :5 Bank Indonesia. (2019). Daftar Penerbit Uang Elektronik: 2.
Arianti, N.L.N., Darma, G.S., Maradona, A.F., and Mahyuni, L.P. (2019). Menakar Keraguan Penggunaan QR Code Dalam Transaksi Bisnis, Jurnal Manajemen & Bisnis, 16 (2): 67-78.
Bank Indonesia. (2019). Blueprint Sistem Pembayaran Bank Indonesia 2025. 1–53. Genady, D.I. (2018). Pengaruh Kemudahan, Kemanfaatan, Dan Promosi Uang Elektronik Terhadap Keputusan Penggunaan Uang Elektronik Di Masyarakat (Studi Kasus di Provinsi DKI Jakarta). Skripsi. 11140850000042
BI. (2019). Transaksi Uang Elektronik di Indonesia. Databoks.
Juhro, S. M., (2020). Pengantar Kebanksentralan teori & Kebijakan. PT. Raja Grafindo Persaja: Depok.
Laudon, K. C. & Carol Guercio Traver. 2014. E-Commerce: Business Technology-Society. New York University
Menkop Dan UKM Dorong Penerapan Qris Pembayaran digital Bagi Pelaku Kumkm. kemenkopukm.go.id. (2020, May 8). Retrieved December 4, 2021, from https://kemenkopukm.go.id/read/menkop-dan-ukm-dorong-penerapan-qrispembayaran-digital-bagi-pelaku-kumkm.
Mumtazah, A., Muslimah, A. Y., Rahmawati, D.F., Lea, E., Ayda, N. (2019). Server based payment system indonesia di era revolusi industry 4.0. Seminar Nasional Applied Science, Business and Information System (ASBIS) 2019 .6014(17-24).
Noor, J. (2017). Metodologi Penelitian: Skripsi, Tesis, Disertasi, dan Karya Ilmiah. Jakarta: Prenadamedia Group.
Pratama. 2015. E-Commerce E-Business Dan Mobile Commerce. Bandung: Informatika. Wong. J. 2010. Internet Marketing For Beginners. Elex Media Komputindo.
Puspita, Y.C. (2019). Analisis Kesesuaian Teknologi Penggunaan Digital Payment Pada Aplikasi Ovo, Jurnal Manajemen Informatika, 9 (2): 121-128.
Sagayarani, D. (2018). Digital Payments in India 2018-2019, IOSR Journal of Business and Management (IOSRJBM):28-33
Sagayarani, D. (2018). Digital Payments in India 2018-2019, IOSR Journal of Business and Management (IOSRJBM):28-33
Sub, T., Malang, A., Urfa, V. H., Handayani, S. R., Hidayat, R. R., Administrasi, F. I., & Brawijaya, U. (1997). EFEKTIVITAS PENGGUNAAN KREDIT PROGRAM KEMITRAAN BUMN.
Urfa, V.H., Handayani, S.R., Hidayat, R.R. (2013). Program Kemitraan BUMN Terhadap Kinerja UMKM (Studi Kasus Pada Program Kemitraan PT. Telekomunikasi Indonesia, Tbk Sub Area Malang Untuk Industri Sari Apel Brosem Kota Batu), Jurnal Adminstrasi Bisnis,6 (1): 1-10.
DOI: https://doi.org/10.32535/jicp.v4i3.1358
Refbacks
- There are currently no refbacks.
Copyright (c) 2021 Dewi Qutrun Nada, Sri Suryaningsum, Hari Kusuma Satria Negara

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Published by:
AIBPM Publisher
Editorial Office:
JL. Kahuripan No. 9 Hotel Sahid Montana, Malang, Indonesia
Phone:+62 341 366222
Email: journal.jicp@gmail.com
Website:http://ejournal.aibpmjournals.com/index.php/JICP
Supported by: Association of International Business & Professional Management
If you are interested to get the journal subscription you can contact us at admin@aibpm.org.
ISSN 2622-0989 (Print)
ISSN 2621-993X (Online)
DOI:Prefix 10.32535 by CrossREF
Journal of International Conference Proceedings (JICP) INDEXED:
In Process
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.