Faktor Penentu Adopsi Qris dari Perspektif Literasi Keuangan, Kemudahan Penggunaan, dan Inovasi Teknologi
Abstract
Abstrak: Penelitian ini penting dilakukan karena adopsi QRIS sebagai sistem pembayaran digital yang semakin berkembang memerlukan pemahaman mendalam mengenai peran literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam meningkatkan penerimaan serta kepercayaan pengguna di berbagai lapisan masyarakat. Penelitian ini bertujuan untuk menganalisis dan mensintesis temuan-temuan yang telah ada guna memperoleh pemahaman yang lebih mendalam mengenai hubungan antara literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam mendorong adopsi QRIS. Metode yang digunakan adalah SLR dengan sumber literatur yang berasal dari Google Scholar, DOAJ, dan Scopus, serta dibatasi pada publikasi yang terbitan 10 tahun terakhir. Hasil penelitian menunjukkan bahwa literasi keuangan berperan penting dalam meningkatkan pemahaman individu terhadap manfaat dan risiko sistem pembayaran digital, sedangkan kemudahan penggunaan menjadi faktor utama yang menarik pengguna dari berbagai latar belakang demografis. Inovasi teknologi, seperti enkripsi data, otentikasi transaksi, dan integrasi dengan kecerdasan buatan, turut berkontribusi dalam meningkatkan kepercayaan pengguna terhadap QRIS. Namun, masih terdapat tantangan dalam bentuk kesenjangan literasi digital, persepsi risiko keamanan, serta kurangnya pemahaman pengguna terhadap mekanisme perlindungan data. Oleh karena itu, diperlukan pendekatan yang lebih holistik yang mengintegrasikan literasi keuangan, digitalisasi, dan inovasi teknologi guna mempercepat adopsi QRIS secara luas dan berkelanjutan.
Abstract: This research is important because the growing adoption of QRIS as a digital payment system requires an in-depth understanding of the role of financial literacy, ease of use, and technological innovation in increasing user acceptance and trust at various levels of society. This research aims to analyze and synthesize existing findings to gain a deeper understanding of the relationship between financial literacy, ease of use, and technological innovation in driving QRIS adoption. The method used is SLR with literature sources from Google Scholar, DOAJ, and Scopus, and limited to publications published in the last 10 years. The results show that financial literacy plays an important role in improving individuals' understanding of the benefits and risks of digital payment systems, while ease of use is the main factor that attracts users from various demographic backgrounds. Technological innovations, such as data encryption, transaction authentication, and integration with artificial intelligence, also contribute to increasing user trust in QRIS. However, challenges remain in the form of digital literacy gaps, perceived security risks, and users' lack of understanding of data protection mechanisms. Therefore, a more holistic approach that integrates financial literacy, digitalization, and technological innovation is needed to accelerate the widespread and sustainable adoption of QRIS.
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