JNM

Article Details

Vol. 5 No. 3 (2026): June

Articles

QRIS-Based Financial Technology Implementation for Payment Transformation at Mie Ayam Langganan MSME

A Ayyumi Khusnul Khotimah E Excel Adipura Junaedi
Abstract

Purpose: This study aims to analyze the implementation of Financial Technology (Fintech), particularly the Quick Response Code Indonesian Standard (QRIS), in supporting digital payment transformation at Mie Ayam Langganan MSME in Bandar Lampung.
Research Methodology: This study employed a descriptive qualitative approach through field observations and semi-structured interviews with the business owner and employees. Data on payment methods, customer preferences, and perceptions of QRIS implementation were analyzed descriptively.
Results: The findings indicate that the MSME still relies mainly on cash transactions despite increasing customer demand for cashless payments. Although bank transfers are accepted, QRIS has not been implemented because of concerns regarding transaction security, particularly fraudulent payment confirmations. Educational activities on QRIS features, transaction verification, and payment security improved the owner's understanding and willingness to adopt QRIS. Its implementation is expected to improve transaction efficiency, financial recordkeeping, and customer satisfaction.
Conclusions: QRIS has significant potential to accelerate digital payment transformation among MSMEs through improved efficiency, security, and financial inclusion.
Limitations: This study involved only one MSME in Bandar Lampung; therefore, the findings cannot be generalized.
Contributions:  This study provides practical recommendations for MSME owners and policymakers to encourage wider QRIS adoption through digital financial literacy and continuous assistance.

Keywords: Digital Payment Financial Technology MSMEs QRIS
How to Cite
Khotimah, A. K., & Junaedi, E. A. (2026). QRIS-Based Financial Technology Implementation for Payment Transformation at Mie Ayam Langganan MSME. Jurnal Nusantara Mengabdi, 5(3), 29–40. https://doi.org/10.35912/jnm.v5i3.7014
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