Tantangan Usaha Mikro dalam Adopsi Sistem Pembayaran Digital: Studi pada QRIS dan Dompet Digital

Abstract

Digital transformation in payment systems has become a strategic approach to improving economic efficiency and financial inclusion, particularly for micro-enterprises. However, previous studies indicate a gap between technological readiness and actual adoption behavior in practice. Although digital payment systems such as Quick Response Code Indonesian Standard (QRIS) and digital wallets have been widely introduced, their usage among micro-entrepreneurs remains partial and unsustained. This study aims to analyze the challenges faced by micro-enterprises in adopting digital payment systems by applying the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). The research employs a qualitative approach through in-depth interviews and direct observations of several micro-enterprises in Palangka Raya City. The findings reveal that perceived ease of use and perceived usefulness are relatively positive; however, they are not accompanied by strong trust and perceived behavioral control. The main barriers include limited digital literacy, trust-related concerns, the need for daily liquidity certainty, and the persistence of cash-based transaction culture. Social norms function as an initial driver of adoption but are insufficient to foster long-term commitment. Therefore, the success of digital payment adoption depends not only on technological factors but also on psychological, social, and microeconomic determinants shaping user behavior.