FACTOR AFFECTING DIGITAL PAYMENTS USING QRIS ON MERCHANT DURING COVID-19: CASE STUDY IN INDONESIA PROVINCES
The COVID-19 pandemic has changed the behaviour of the society, the payment system continues to monitor the presence of rapid and rapid e-commerce such as the number of fintech. QRIS emerged as one of the innovations from Bank Indonesia by combining all QR payment system service providers impleme...
Saved in:
| Main Author: | |
|---|---|
| Format: | Final Project |
| Language: | Indonesia |
| Online Access: | https://digilib.itb.ac.id/gdl/view/67007 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| Institution: | Institut Teknologi Bandung |
| Language: | Indonesia |
| Summary: | The COVID-19 pandemic has changed the behaviour of the society, the payment system
continues to monitor the presence of rapid and rapid e-commerce such as the number of
fintech. QRIS emerged as one of the innovations from Bank Indonesia by combining all
QR payment system service providers implemented on MSMEs or merchants to make
transactions more efficient and faster without having to provide money to shop for daily
needs. The purpose of this study is to examine what factors influence QRIS in traders in all
provinces of Indonesia with a macroeconomic approach.
This study uses a multiple linear regression method using aggregate data from the Central
Statistics Agency (BPS), Bank Indonesia, and the Financial Services Authority (OJK). The
results of this study found that the factors influencing QRIS are financial inclusion, level
of education, and individuals using the internet to find information about goods and
services. The result of this research will have valuable implications for academician and
practitioners. The obtained result can be used as s guidance for the growth of the digital
payment using QRIS on merchant that will prove of great importance in business practices.
Keywords: COVID-19; digital payments; payment system; QRIS |
|---|