FACTOR AFFECTING DIGITAL PAYMENTS USING QRIS ON MERCHANT DURING COVID-19: CASE STUDY IN INDONESIA PROVINCES

• Main Author: Anggadipati, Ajisatrio
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/67007
• Institution: Institut Teknologi Bandung

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