Digital transactions in floating markets: methods for exploring the intentions of floating market merchants using QRIS
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Published:
Nov 8, 2023
Keywords:
Digital transaction, Floating Market, QRIS
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Economy
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Abstract
variety of online-based economic activities to meet various community needs. Along with the development of digital platforms that facilitate the process of trade transactions, the development of digital-based payment technology has also occurred with the emergence of the Quick Response Code Indonesian Standard (QRIS). Currently, QRIS has begun to be used by Lok Baintan floating market merchants as a more efficient non-cash payment system. The advantages possessed by QRIS include being able to accept switching from various types of different merchants quickly and safely. This study aims to examine the factors that shape the intention of floating market merchants to use QRIS. This research method uses qualitative methods, by conducting interviews with several merchants at the Lok Baintan floating market. Data analysis using NVivo software. The results of the study show that currently, the spread of the use of QRIS by merchants in floating markets is still very minimal. This is caused by a lack of readiness and understanding of the benefits of QRIS for merchants. Another reason why floating market merchants are not actively using QRIS is that the funds from the sale go directly to the bank account, so when merchants want to use the money for their daily needs, they have to withdraw the funds first
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How to Cite
Nurhayati, N. and Nurhaeni, N. (2023) “Digital transactions in floating markets: methods for exploring the intentions of floating market merchants using QRIS”, Jurnal Mantik, 7(3), pp. 1810-1817. doi: 10.35335/mantik.v7i3.4219.
References
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Stern, C., Makinen, M., & Qian, Z. (n.d.). FinTechs in China – with a Special Focus on Peer to Peer Lending. Emerald Insight. https://www.emerald.com/insight/content/doi/10.1108/JCEFTS-06-2017- 0015/full/html?fullSc=1&mbSc=1&fullSc=1&fullSc=1
Syarifah, T., Wahyuni, D., Masyitah, E., Sajidah, Q., Adisti, A., Syapitri, M., & Novita, A. (2023). PEMASARAN DIGITAL PADA USAHA DODOL PULUT INDAH. 4(4), 7703–7708.
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Zeta Chandra, D., Purwana, D., Adha, A., & Maulana. (2023). Analisis Strategi Qris Oleh Kpwbi Dki Jakarta Dalam Upaya Pengembangan Pembayaran Nontunai Pada Umkm Jakarta. Transekonomika: Akuntansi, Bisnis Dan Keuangan, 3(4), 664–673. https://doi.org/10.55047/transekonomika.v3i4.464
Bandur, A. (2016). Penelitian Kualitatif: Metodologi, Desain, dan Teknik Analisis Data dengan NVivo 11 plus (Edisi Pertama). Sage Publication, Inc.
Cao, W. (2016). FinTech Acceptance Research in Finland - Case Company Plastc. Science in Economics and Business Administratio, 72.
Christine, N., & Khairudin. (2023). Efektifitas Penggunaan Quick Response Code Indonesian Standard (QRIS) untuk Meningkatkan Omset Penjualan pada UMKM di Bandar Lampung (Studi Kasus Kl Cofee Bandar Lampung, Kopi Ketje Kedaton dan Marley’s Cafe). In Jurnal EMT KITA (Vol. 7, Issue 3, pp. 755–762). https://doi.org/10.35870/emt.v7i3.1262
Coussement, M. A., & Teague, T. J. (2013). The new customer-facing technology: Mobile and the constantly-connected consumer. Journal of Hospitality and Tourism Technology, 4(2), 177–187. https://doi.org/10.1108/JHTT-12-2011-0035
Ediputra, M. R., & Amalyah, A. A. (2022). Analysis Factors Affecting Consumer Preferences in using Qris Payment In-Store. International Conference of Computer and Informatics Engineering (IC2IE), 29–34. https://ieeexplore.ieee.org/abstract/document/9970086/metrics#metrics
Ezeh, P. C., & Nwankwo, N. (2018). Factors that Influence the Acceptance of Mobile Money in Nigeria. Journal of Research in Marketing.
Ferdiana, A. M. K., & Darma, G. S. (2019). Understanding Fintech Through Go – Pay. International Journal of Innovative Science and Research Technology.
Gainau, P. C. (2023). PENGARUH FINANCIAL TECHNOLOGY TERHADAP INKLUSI KEUANGAN UMKM PENGGUNA QRIS Rita Atarwaman. 15(2), 143–154.
Hogan, B. J. (n.d.). Manufacturing Education Advances At Calgary. https://www.elibrary.ru/item.asp?id=6256878
Jati, A. G. N., Margono, F. P., Ardiyono, T. A., & Wulansari, A. (2023). Analisis Faktor Tingkat Kepercayaan Penggunaan Qris Pada Umkm Di Surabaya Menggunakan Technology Acceptance Model (Tam). Djtechno: Jurnal Teknologi Informasi, 4(1), 141–153. https://doi.org/10.46576/djtechno.v4i1.3319
Karniawati, N. P. A., Darma, G. S., Mahyuni, L. P., & Sanica, I. G. (2021). Community perception of using qr code payment in era new normal. Palarch’s Journal Of Archaeology Of Egypt/Egyptology, 18(1), 3986–3999.
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003
Mangeswuri, D. R., Wuryandani, D., Purwanto, N. P., Hendra, S. P., Meilani, H., Sayekti, N. W., & Rivani, E. (2018). Industri Kreatif, Fintech dan UMKM dalam Era Digital.
Nabhani, A. (n.d.). UMKM Benteng Terakhir Pertahanan Ekonomi Negara. Retrieved September 20, 2023, from https://www.neraca.co.id/article/186808/umkm-benteng-terakhir-pertahanan-ekonomi-negara
Novi Arianti, N. L., Sri Darma, G., Fredy Maradona, A., & Mahyuni, L. P. (2019). Menakar Keraguan Penggunaan QR Code Dalam Transaksi Bisnis. Jurnal Manajemen Bisnis, 16(2), 67. https://doi.org/10.38043/jmb.v16i2.2041
Popovska-Kamnar, N. (2014). Popovska-Kamnar, Neda The use of electronic money and its impact on monetary policy THE USE OF ELECTRONIC MONEY AND ITS IMPACT ON MONETARY POLICY. Jcebi, 1(2), 79–92. http://hdl.handle.net/10419/147460
Putri, N. Z. (2023). Strategi Bank Indonesia Kantor Perwakilan Aceh Dalam Membudayakan Transaksi Non Tunai Melalui QRIS Pada UMKM di Kota Banda Aceh. UIN Ar-Raniry Banda Aceh.
Rifani, R. A. (2023). Penerapan Sistem Pembayaran QRIS pada Sektor UMKM di Kota Parepare. Amsir Accounting & Finance Journal. http://www.journal.stieamsir.ac.id/index.php/aafj/article/view/170
Ryu, H. S. (2018). Understanding benefit and risk framework of Fintech adoption: Comparison of early adopters and late adopters. Proceedings of the Annual Hawaii International Conference on System Sciences, 2018-Janua, 3864–3873. https://doi.org/10.24251/hicss.2018.486
Saprudin, R. A., & Hakim, A. (2022). Penggunaan Qris Pada Umkm Desa Kutawargi Sebagai Daya Saing Di Era Digitalisasi. Abdima Jurnal Pengabdian Mahasiswa, 2(1), 2966–2970.
Savitri, C., Hurriyati, R., Wibowo, L. A., & Hendrayati, H. (2021). The role of social media marketing and brand image on smartphone purchase intention. International Journal of Data and Network Science, 6(1), 185–192. https://doi.org/10.5267/J.IJDNS.2021.9.009
Sekarsari, K. A. D., I, C. D. S., & Subarno, A. (2021). Optimalisasi penerapan quick response code indonesia standard (qris) pada merchant di wilayah surakarta. JIKAP (Jurnal Informasi Dan Komunikasi Administrasi Perkantoran). https://jurnal.uns.ac.id/JIKAP/article/view/51487
Shy, O. (2019). Cashless Stores and Cash Users. Federal Reserve Bank of Atlanta, Working Papers. https://doi.org/10.29338/wp2018-11
Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020). Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan. Jurnal Manajemen Bisnis. https://journal.undiknas.ac.id/index.php/magister-manajemen/article/view/2384
Stern, C., Makinen, M., & Qian, Z. (n.d.). FinTechs in China – with a Special Focus on Peer to Peer Lending. Emerald Insight. https://www.emerald.com/insight/content/doi/10.1108/JCEFTS-06-2017- 0015/full/html?fullSc=1&mbSc=1&fullSc=1&fullSc=1
Syarifah, T., Wahyuni, D., Masyitah, E., Sajidah, Q., Adisti, A., Syapitri, M., & Novita, A. (2023). PEMASARAN DIGITAL PADA USAHA DODOL PULUT INDAH. 4(4), 7703–7708.
Yusuf. (n.d.). Pemerintah Dorong Peningkatan Digitalisasi UMKM dan Usaha Kreatif. Retrieved September 20, 2023, from https://www.kominfo.go.id/content/detail/47841/pemerintah-dorong-peningkatan-digitalisasi-umkm-dan-usaha-kreatif/0/berita
Zeta Chandra, D., Purwana, D., Adha, A., & Maulana. (2023). Analisis Strategi Qris Oleh Kpwbi Dki Jakarta Dalam Upaya Pengembangan Pembayaran Nontunai Pada Umkm Jakarta. Transekonomika: Akuntansi, Bisnis Dan Keuangan, 3(4), 664–673. https://doi.org/10.55047/transekonomika.v3i4.464
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