THE INFLUENCE OF FINANCIAL LITERACY, TRUST AND PERCEIVED SECURITY ON THE DECISION TO USE THE QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) AMONG MSMES ASSISTED BY THE MEDAN CITY COOPERATIVE AGENCY
Keywords:
Financial Literacy, Trust, Perceived Security, Usage Decision, QRIS, MSMEsAbstract
The use of the Quick Response Code Indonesian Standard (QRIS) as a digital payment method has continued to grow among Micro, Small, and Medium Enterprises (MSMEs). However, MSMEs’ decisions to use QRIS may be influenced by various factors, such as financial literacy, trust in digital payment systems, and perceived security in conducting transactions. This study aims to analyze the effects of financial literacy, trust, and perceived security on the decision to use QRIS among MSMEs in Medan City. This study employs a quantitative approach with a sample of 100 MSMEs assisted by the Medan City Cooperative Office. Data were collected through questionnaires using a Likert scale. The results show that financial literacy has a positive and significant effect on the decision to use QRIS, trust has a positive and significant effect on the decision to use QRIS, and perceived security has a positive and significant effect on the decision to use QRIS. Simultaneously, financial literacy, trust, and perceived security have a significant effect on the decision to use QRIS among MSMEs assisted by the Medan City Cooperative Office.
References
Aditya, M. S., & Fitriasari, P. (2025). Pengaruh Literasi Keuangan, Persepsi Kemanfaatan, Persepsi Kemudahan Penggunaan, Sikap Pengunaan Teknologi Dan Risiko Terhadap Keputusan Penggunaan Quick Respons Indonesia Standard (QRIS). Jurnal Akuntansi Manajemen Madani, 11 (2). https://jurnalmadani.stiemadani.ac.id/index.php/jamm/article/view/225/98
Aditya, & Mahyuni. (2022). Pengaruh literasi keuangan , persepsi kemudahan , manfaat , keamanan dan pengaruh sosial terhadap minat pelanggan. FORUM EKONOMI : Jurnal Ekonomi , Manajemen Dan Akuntansi ISSN : 1411-1713 ( Print ) 2528-150X ( Online ), 22. https://doi.org/10.29264/jfor.v24i2.10330
Agustin, K. L., Usman, W. W., & Kusno, H. S. (2025). The Effect of Financial Literacy, Ease and Trust on the Decision to Use QRIS. Management and Economic Journal, 9. https://doi.org/10.18860/mec-j.v9i2.28831
Anggraini, M. S., Anggraeni, E., & Nurhayat. (2024). Pengaruh Persepsi Kepercayaan dan Persepsi Keamanan Terhadap Pelaku Usaha Pada Keputusan Penggunaan QRIS. : : Jurnal Publikasi Ilmu Manajemen Dan E-Commerce. https://doi.org/10.30640/digital.v3i3.3196
Aprilia, E. C., Natalina, A., & Kakiay, A. N. (2026). Analisis Determinan Keputusan Bertransaksi Menggunakan QRIS. Jurnal Ekonomi Dan Manajemen. https://doi.org/10.56127/jekma.v5i1.2557
Asnahwati, & Maswir, M. (2021). Analisis Tingkat Literasi Pasar Modal dan Minat Mahasiswa dalam Berinvestasi Saham Pada Perusahaan Yang Terdaftar Di Bursa Efek Indonesia (BEI). Jurnal Daya Saing, 7(2).
Ayu Munthoharoh, & Hayon, P. P. (2025). Pengaruh literasi keuangan dan inklusi keuangan terhadap keputusan penggunaan QRIS pada UMKM yang terdaftar di BNI KCU Merauke. PAPSEL ECONOMIC JOURNAL, 2 (3), 9–21. https://doi.org/10.63185/pej.v2i3.19
Bank Indonesia. (2019). QRIS, satu QR code untuk semua pembayaran. https://www.bi.go.id
Bank Indonesia. (2022). Quick Response Code Indonesian Standard (QRIS). https://www.bi.go.id
BIS, B. for I. S. (2023). Annual Economic Report 2023: Digital Payments and Financial Inclusion. Bank for International Settlements. (Issue June 2022). https://www.bis.org/publ/arpdf/ar2023e.pdf
Company, M. &. (2023). The 2023 McKinsey Global Payments Report: On the cusp of the next payments era. McKinsey & Company. https://www.mckinsey.com/industries/financial-services/our-insights/the-2023-mckinsey-global-payments-report
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319-340.
Featherman, M. S., & Pavlou, P. A. (2003). Predicting E-Services Adoption: A Perceived Risk Facets Perspective. International Journal of Human-Computer Studies, 59(4), 451-474.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90. https://doi.org/10.2307/30036519
Gobel, F., Pongoliu, Y. I., Rahman, R., & Utina, S. D. A. (2024). Analisis Pengaruh Risk Dan Trust Dalam Penerimaan Alat Pembayaran Digital QRIS (Study Kasus Pada 30 UMKM). Jurnal Ilmiah Manajemen Dan Bisnis, 7(2). https://doi.org/10.37479/jimb.v7i2.27422
Hakim, & Septianingsih, F. (2026). Pengaruh Literasi Keuangan Dan Kemudahan Penggunaan Terhadap Keputusan Menggunakan QRIS Dengan Kepercayaan Sebagai Variabel Mediasi Pada UMKM Kuliner Binaan Rumah BUMN Cilacap. JURNAL ILMIAH M-PROGRESS, 16(2), 285–298. https://doi.org/10.35968/mpu.v16i2.2067
Hermawan, S., Prapanca, D., Biduri, S., Herlambang, M. B., Esomar, M. J. F., Oktaviyanti, I., Suarni, A., Gustina, G., Marina, A., & Agustina, Y. (2026). Literasi Keuangan di Era Digital. Star Digital Publishing.
Izzah, B., Karimah, S., & Khasanah, U. (2026). Digital Financial Literacy and QRIS Adoption: A Literature Review on Perceptions of Convenience, Security, Benefits, and Trust. International Conference on Islamic Economics (ICIE), 3, 45–54.
Jonardi, K. R., Djuranovik, E., Yapari, E. A., Lakshmi Jaya Ningsih, & Maichal. (2025). Pengaruh Kemudahaan Penggunaan Seluler, Keunggulan Relatif, Dan Persepsi Keamanan Terhadap Niat Untuk Menggunakan QRIS. Jurnal Ekonomi Trisakti, 5(1), 553–562. https://doi.org/10.25105/v5i1.22529
Mändmaa, S. (2020). FINANCIAL LITERACY. Eurasian Journal of Social Sciences. https://doi.org/10.15604/ejss.2019.07.02.002
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. Academy of Management Review, 20(3), 709–734.
Mcknight, D. H., Choudhury, V., & Kacmar, C. (2012). Developing and Validating Trust Measures for E-Commerce : An Integrative Typology.
McKnight, D. H., Choudhury, V., & Kacmar, C. (2002). Developing and Validating Trust Measures for E-Commerce: An Integrative Typology. Information Systems Research, 13(3), 334-359.
Meri Hartati. (2024). Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Fintech Terhadap Penggunaan QRIS Pada Merchant Di Guardian Bengkulu Yang Dimediasi Oleh Technology Acceptance Model (TAM). Jurnal Economic Edu, 5(01), 8–14. https://doi.org/10.36085/jee.v5i01.6590
Nations, U. (2017). Micro Small Medium Businesses Day. https://www.un.org/en/observances/micro-small-medium-businesses-day
Nawangsari, S., & Pryhasti, A. L. (2025). Analisis Faktor-Faktor yang Mempengaruhi Keputusan Penggunaan QRIS sebagai Alat Pembayaran Digital. 6(2), 603–610. https://doi.org/10.47065/arbitrase.v6i2.2541
Otoritas Jasa Keuangan & Badan Pusat Statistik. (2024). Siaran Pers Bersama: OJK dan BPS Umumkan Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2024. https://ojk.go.id
Otoritas Jasa Keuangan (OJK). (2024). Buku Saku Literasi Keuangan. https://ojk.go.id
Pebyarni, A. (2024). Analisis Faktor-Faktor Yang Mempengaruhi Penggunaan Qris Sebagai Alat Transaksi UMKM Di Yogyakarta. Skripsi. https://dspace.uii.ac.id/bitstream/handle/123456789/50208/20312498.
Putri, M. N., Lakoni, I., & Safrianti, S. (2023). Pengaruh Literasi Keuangan, Kemudahan Dan Kepercayaan Terhadap Keputusan Bertransaksi Menggunakan QRIS Pada UMKM Di Kota Bengkulu. Jurnal Ilmiah Ekonomi Dan Bisnis. https://doi.org/10.51903/e-bisnis.v16i2
Putri, P. A., Rahman, T., & Noviasari, H. (2024). Pengaruh Persepsi Manfaat Dan Persepsi Keamanan Melalui Kepercayaan Terhadap Keputusan Penggunaan QRIS. Jurnal Ilmiah Mahasiswa Ekonomi Dan Manajemen.
Rayhan, M., Nursaidah, & Dia, T. (2025). Pengaruh Persepsi Manfaat, Kemudahan, Kepercayaan dan Risiko terhadap Keputusan Penggunaan Qrispada UMKM Se-Kota Jember. Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, 6(3), 1–13. https://doi.org/https://doi.org/10.53697/emak.v6i3.2759
Prabowo, A., & Risal, T. (2023). Peran Enterpreneurial Orientation Dan Social Media Marketing Terhadap Peningkatan Strategi Bersaing (Umkm) Coffe Shop Pada Era Modern Customer Di Kota Medan. Jurnal Menara Ekonomi: Penelitian dan Kajian Ilmiah Bidang Ekonomi, 9(1).
Prabowo, A., Adam, A. A., Subhan, Z. N., Tanjung, Y., Parhusip, A. A., & Deviana, A. Irwansyah.(2025). Sustainable Business Practices in Coffee Shops: The Role of Marketing Innovation, Digital Marketing, and Branding Innovation Through Market Development. International Journal of Accounting and Economics Studies, 12 (6), 43, 50. https://doi.org/10.14419/p0k0pc78
Prabowo, A., Wahyuni, E. S., Tanjung, Y., Wijaya, M. R., & Adam, A. A. (2025). Manajemen Pemasaran (Strategi Pemasaran Era Digital: Menguasai Tren dan Teknologi Sebagai Konsep Baru Meningkatkan Penjualan). Serasi Media Teknologi.
Ramansyah, F. P., Husaini, H., Jummaini, J., & Wardhiah, W. (2023, December). Determination Of Firm Value In The Consumer Cyclicals Sector Listed On The Indonesia Stock Exchange. In Proceedings of International Conference on Finance Economics and Business (ICOFEB) (Vol. 1, pp. 0033-0033).
Ramansyah, F. P., Idhami, R., & Saragih, M. M. S. (2025). ENERGY DEMAND, INCENTIVE POLICIES, AND RENEWABLE ENERGY PRODUCTION: EVIDENCE FROM SOUTH AFRICA. Global Economics Research and Actual Management, 2(1), 18-25.
Ramansyah, F. P., Salsabila, R., Lubis, F. Y., Jannah, M. M., & Listyaningtias, H. (2025). Analisis Laporan Keuangan PT Essa Industries Indonesia Tbk Tahun 2023. Zona Manajerial: Program Studi Manajemen (S1) Universitas Batam, 15(1), 1-8.
Ramansyah, F. P., Tunnur, M., & Idhami, R. (2025). MINI RESEARCH OF UMKM SURABAYA CHICKEN GREAT RESTAURANT (BUSINESS CAPITAL). Journal of Accounting Research, Utility Finance and Digital Assets, 3(4), 412-416.
Ramansyah, F. P., Idhami, R., Aryantie, A., & Rizka, L. S. (2025). Analysis of Human Resource Management Strategy at Angkringan D'Legend Coffee UMKM. Journal of Accounting Research, Utility Finance and Digital Assets, 3(4), 397-400.
RAMANSYAH, F. P. (2025). DAMPAK PENGUNGKAPAN EMISI KARBON, INOVASI HIJAU, ENVIRONMENTAL SOCIAL GOVERNANCE (ESG), EKOEFISIENSI, DAN KINERJA LINGKUNGAN TERHADAP NILAI PERUSAHAAN (STUDI EMPIRIS PADA PERUSAHAAN SEKTOR BASIC MATERIAL DAN ENERGY) (Doctoral dissertation, Universitas Malikussaleh).
Sinta, I., Ilham, R. N., Muttagien, M., Juanda, R., Ramansyahs, F. P., & RAMANSYAHS, F. P. (2025). The Effect of Working Capital Management and Leverage on the Value of Manufacturing Companies Listed on Big Four ASEAN Country Stock Exchange: Special Report on Simultaneous General Elections. Calitatea, 26(208), 204-213.
Sinta, I., Ilham, R. N., Multazam, M., & Ramansyah, F. P. (2024). Solvability Ratio To Bond Rating In The Company Pt. Adhi Commuter Properties And Subsidiaries In 2021-2022 Listed On The Indonesian Stock Exchange (BEI). Journal of Accounting Research, Utility Finance and Digital Assets, 2(4), 154-159.
Saharuddin, M. A., Ilham, R. N., & Ramansyah, F. P. INFLUENCE, INVESTMENT AND GDP TO LEVEL OPEN UNEMPLOYMENT IN INDONESIA THE EFFECT OF INVESTMENT AND GDP ON THE OPEN UNEMPLOYMENT RATE IN INDONESIA.
Sugiyono. (2022). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Robbins, S. P., Bergman, R., Stagg, I., & Coulter, M. (2014). Management Pearson Australia. https://books.google.co.id/books?id=hLGaBQAAQBAJ
Roger C. Mayer, James H. Davis, & F. David Schoorman (1995). An Integrative Model of Organizational Trust. Academy of Management Review.
Safitri, A. (2024). Pengaruh Persepsi Kemudahan Penggunaan Dan Keamanan Terhadap Keputusan Penggunaan QRIS.
Septiani, R. N., & Wuryani, E. (2020). Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja UMKM di Sidoarjo. E-Jurnal Manajemen, 9(8), 3214–3236. https://doi.org/10.24843/EJMUNUD.2020.v09.i08.p16
Solahudin, M. S., & Abdurachman, A. (2026). Dampak Persepsi Keamanan dan Persepsi Risiko terhadap Kepuasan Pengguna. Jurnal Administrasi Bisnis. https://e-journals.unmul.ac.id/index.php/jadbis/article/view/26658/pdf
Sugiono. (2023). Metode Penelitian Kuantitatif, Kualitatif, dan R&D Alfabeta.
Suryani, D., Ermansyah, & Suk, S. Al. (2021). Pengaruh Perceived Ease of Use, Perceived Usefulness dan Trust Terhadap Kepuasan Pelanggan Gojek. https://journal.irpi.or.id/index.php/ijbem/article/view/171
UKM, K. (2025). pemerintah-dorong-umkm-naik-kelas-tingkatkan-kontribusi-terhadap-ekspor-indonesia. https://www.ekon.go.id
Widiyati, S., Wijayanto, E., & Prihatiningsih. (2018). Financial Literacy Model at Micro Small Medium Entreprise (MSMEs). MIMBAR Jurnal Sosial Dan Pembangunan, 34 (2), 255–264.
World Economic Forum. (2022). Why we shouldn’t overlook the impact of SMEs on local and global economies. https://www.weforum.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Mahfuzah Melati, M. Rizky Wijaya
This work is licensed under a Creative Commons Attribution 4.0 International License.
