Issue: 2026/Vol.36/No.3, Pages
PUBLIC PERCEPTION OF QRIS IMPLEMENTATION: ANALYSIS OF ADOPTION BARRIERS AMONG TRADITIONAL MERCHANTS IN INDONESIA
Husty Serviana
, Ahmad Ahsanul Haq
This is not yet the definitive version of the paper. This version will undergo additional copyediting, typesetting and review before it is published in its final form, but we are providing this version to give early visibility of the article.
Cite as: H. Serviana, A. A. Haq. Public perception of QRIS implementation: Analysis of adoption barriers among traditional merchants in Indonesia. Operations Research and Decisions 2026: 36(3). DOI 10.37190/ord/223943
Abstract
This study examines barriers to QRIS adoption among Indonesian traditional merchants by integrating technological anxiety and regulatory burden into the UTAUT2 model. Using mixed methods with data from 185 merchants across three major cities, PLS-SEM analysis shows effort expectancy (beta=0.342) and performance expectancy (beta=0.295) significantly drive adoption intention. However, technological anxiety (beta=-0.218) and perceived regulatory burden (beta=-0.186) are significant inhibitors. Qualitative findings reveal additional concerns about transaction costs, administrative complexity, and internet dependency. The study provides practical recommendations for Bank Indonesia and fintech providers to design more inclusive adoption strategies for micro-merchants
Keywords: QRIS, UTAUT2, technology adoption, traditional merchants, financial inclusion, PLS-SEM
Received: 6 January 2026 Accepted: 2 Jun3 2026
Published online: 2 June 2026