Octavianto, Shiena Falachy Muhammad Putra (2028) ANALISIS PENGGUNAAN QRIS (QUICK RESPONSE CODE INDONESIAN STANDARD) OLEH PEDAGANG DAN KONSUMEN DALAM MENINGKATKAN EFISIENSI TRANSAKSI (STUDI PADA PELAKU USAHA DI KECAMATAN KRIAN). Undergraduate thesis, Universitas Pembangunan Nasional Veteran Jawa Timur.
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Abstract
The rapid development of financial technology has driven a structural transformation in the payment systems of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the effectiveness of implementing the Quick Response Code Indonesian Standard (QRIS)—from the perspectives of both merchants and consumers—in enhancing transaction efficiency, as well as to identify operational barriers and behavioral implications. A qualitative research approach was employed, utilizing observation and interviews with MSME business owners and consumers using QRIS in Krian District, Sidoarjo Regency. The findings indicate that QRIS has successfully improved transaction efficiency for merchants and provided flexibility for consumers. However, operational challenges—such as signal issues, Merchant Discount Rate (MDR) costs, and the digital divide—persist, alongside psychological implications manifested in impulsive shopping behavior. The study concludes that while QRIS optimizes operational workflows, its long-term stability relies heavily on local telecommunications infrastructure and targeted improvements in digital literacy. Keywords: Financial Technology, QRIS, Transaction Efficiency, MSMEs.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance H Social Sciences > HG Finance > HG1501-3550 Banking |
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| Divisions: | Faculty of Economic and Business > Department of Entrepreneurship | ||||||||
| Depositing User: | FALACHY SHIENA Putra Octavianto | ||||||||
| Date Deposited: | 13 Jul 2026 06:38 | ||||||||
| Last Modified: | 13 Jul 2026 06:38 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/55021 |
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