Understanding the Perception of Young SME Owners in Indonesia: QRIS Usage by Age and Gender

Abstract

One of the payment methods in our contemporary digital era is a non-cash transaction. Because electronic money is now more and more available, users can now make transactions both online and offline thanks to e-wallet applications and banks that accept cashless payments. QRIS (Quick Response Code Indonesian Standard), a QR-based non-contact payment transaction tool introduced by Bank Indonesia in collaboration with the Indonesian Payment System Association (ASPI), is one of the technologies that is often used by the people of Indonesia. QRIS has developed into a catalyst for facilitating the payment process between suppliers and consumers of products and services, especially among SMEs. The recent financial crisis was most likely triggered by these faster digital transactions. However, with a target of having financial inclusion by 90% in 2024 set by the government of Indonesia, while still being at 74.19%, it can be a challenge for Indonesia since its level of financial literacy is still very low which is at 38%. As a result, an essential question arises; How does age play a part in the perception of SMEs regarding the ease of use, frequency of usage, and impact of QRIS in Indonesia? How does gender partake in shaping the opinion of SMEs towards the ease of use, frequency of usage, and impact of QRIS in Indonesia? This research aims to investigate and understand how Indonesian SMEs perceive the ease of QRIS usage, the frequency of QRIS usage, and the impact of QRIS based on the differences in gender and group age. The research investigates the above topic based on questionnaires using Google form distributed to people with relative business experience. The data will be analyzed using crosstabulation with the use of JASP (Jeffrey’s Amazing Statistics Program).