The Adoption of an Integrated QR Code Payment System of Indonesian MSME: An Extended Tam Approach

Abstract

Following the outbreak of COVID-19, the Indonesian government is promoting the use of QR codes, especially for electronic payments through QRIS. This study addresses the gap in previous research by incorporating the role of individual differences, specifically self-efficacy, in predicting user behavior. This study aims to identify factors influencing the adoption of QR codes by MSMEs, quantify the influence of these factors, develop a conceptual model that extends the Technology Acceptance Theory, and provide practical recommendations to increase the adoption of QR Code payment technology among Indonesian MSMEs. To better understand QRIS adoption, this study utilized an online survey to collect data from 467 micro businesses in Jakarta that adopted QRIS. Our findings from SEM-PLS show that self-efficacy does not mediate between intention to use and QRIS adoption. However, self-efficacy positively influences QRIS adoption. In addition, this study found that trust positively influences attitude towards use and attitude towards use influences intention to use QRIS.