QRIS Impactfull: How to Develop Traditional Market Financial?
DOI:
https://doi.org/10.38035/dijefa.v6i3.4624Keywords:
Digital Literacy, Financial Education, Local Knowledge, Digital Transactions, Traditional MarketsAbstract
Traditional markets face various environmental challenges that ultimately affect their performance practices; this study aims to analyse digital literature on digital transactions with local knowledge as moderation. Sampling technique: This research was conducted in traditional markets in the Sidoarjo district and involved 263 respondents, including shop owners. Data analysis using quantitative methods, such as SmartPLS 4.0 software, was used to test the research hypothesis. Digital literacy significantly influences the adoption of digital transactions in traditional markets, such as QRIS. Good digital literacy and skills increase the likelihood of merchants adopting the technology significantly when moderated by local knowledge that reinforces the application of technology according to local culture and economic practices. Financial education also encourages digital transactions; merchants who understand financial management are more likely to switch to digital payment systems. Local knowledge strengthens the influence of financial education by tailoring technology to market needs. This study highlights the importance of digital literacy, financial education and the local socio-cultural context in modernising traditional markets in Sidoarjo.
References
Alfafa, R. U., & Anshori, I. (2023). Dinamika Marketplace dan Toko Kelontong: Studi Kasus di Desa Tambaksawah, Sidoarjo. Jurnal Analisa Sosiologi, 12(3).
Alfiana, A., Mulastih, L. S., Sasongko, R. W., Ristati, R., & Amri, A. (2023). The Influence Of Financial Literacy And Digital Literacy On Non-Cash Transaction Preferences. Jurnal Ilmiah Edunomika, 8(1).
Amruddin, S. P. (2022). Paradigma kuantitatif, teori dan studi pustaka. Metodologi Penelitian Kuantitatif dan Kualitatif, 1.
Aurelia, O. (2022). The Influence of Financial Service Characteristics, Education, Income and Customer Satisfaction on Reuse Intention of FinTech Payment (QRIS) on Padang Millennial Users. Universitas Andalas.
Azeez, N. P., & Akhtar, S. M. (2021). Digital financial literacy and its determinants: an empirical evidences from rural India. South Asian Journal of Social Studies and Economics, 11(2), 8–22.
Basmantra, I. N., & Liman, N. (2022). Quick Response Code Indonesian Standard (QRIS) Educational Activities Through Socialization to Increase Knowledge and Interest in Use by the Community in Dauh Puri Kaja Village. ABDIMAS: Jurnal Pengabdian Masyarakat, 5(1), 2104–2107.
Blau, P. M. (1964). Justice in social exchange. Sociological inquiry, 34(2).
Chohan, F., Aras, M., Indra, R., Wicaksono, A., & Winardi, F. (2022). Building customer loyalty in digital transaction using QR code: Quick Response Code Indonesian Standard (QRIS). Journal of Distribution Science, 20(1), 1–11.
Fadhil, M., Mukhlis, M., & Syahpawi, S. (2024). Perkembangan dan Pelaksanaan E-Money di Malaysia, Pakistan dan Afghanistan. Madani: Jurnal Ilmiah Multidisiplin, 2(3).
Fahrurrozi, M., & SE, M. M. (2023). Entrepreneurship & Digitalisasi: Mengembangkan Bisnis di Era 5.0. Universitas Hamzanwadi Press.
Fernando, J., & Turnip, E. Y. (2023). Peluang Indonesia sebagai Ketua ASEAN Tahun 2023 dalam Mempromosikan Penggunaan Local Currency Settlement dan QR Code Lintas Batas terkait Transaksi Perdagangan di Asia Tenggara. Jurnal Sentris, 4(2), 114–134.
Gao, L., & Waechter, K. A. (2017). Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation. Information Systems Frontiers, 19, 525–548.
Gozman, D., Liebenau, J., & Mangan, J. (2018). The innovation mechanisms of fintech start-ups: insights from SWIFT’s innotribe competition. Journal of Management Information Systems, 35(1), 145–179.
Groves, R. M., Fowler Jr, F. J., Couper, M. P., Lepkowski, J. M., Singer, E., & Tourangeau, R. (2011). Survey methodology. John Wiley & Sons.
Hair, J., & Alamer, A. (2022). Partial Least Squares Structural Equation Modeling (PLS-SEM) in second language and education research: Guidelines using an applied example. Research Methods in Applied Linguistics, 1(3), 100027.
Hair, J. F., Risher, J. J., & Ringle, C. M. (2018). When to use and how to report the results of PLS-SEM. 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European business review, 31(1), 2–24.
Kurniawan, A. (2024). Transaksi Digital di Pasar Tradisional masih perlu di Genjot. sindonews.com. https://ekbis.sindonews.com/read/1413569/34/transaksi-digital-di-pasar-tradisional-masih-perlu-digenjot-1720681632
Laras, A. (2023). Indonesia Bakal Jadi Negara dengan Pengguna QR Terbanyak di Asia Tenggara pada Tahun 2025. Bisnis.com. https://finansial.bisnis.com/read/20231029/90/1708961/indonesia-bakal-jadi-negara-dengan-pengguna-qr-terbanyak-di-asia-tenggara-pada-2025
Latilo, A., Uzougbo, N. S., MC, U., & Oduro, P. (2024). Role and effectiveness of advance payment guarantees in construction contracts. World Journal of Advanced Science and Technology, 6(01), 88–102.
Listiyono, H., Sunardi, S., Wahyudi, E. N., & Diartono, D. A. (2024). Dinamika Implementasi QRIS: Meninjau Peluang dan Tantangan bagi UMKM Indonesia. IKRA-ITH Informatika: Jurnal Komputer dan Informatika, 8(2), 120–126.
Maharani, K. R. (2023). Implementasi Kerjasama Cross Border Quick Response Code Indonesian Standard (QRIS) Indonesia–Thailand dalam Perspektif Hukum Internasional. Universitas Islam Indonesia.
Mani, Z., & Chouk, I. (2018). Consumer resistance to innovation in services: challenges and barriers in the internet of things era. Journal of Product Innovation Management, 35(5), 780–807.
Maria, V., Yuniantari, K. W., & Lintang, M. A. C. (2024). Pengaruh Kualitas Produk dan Kualiatas Layanan Pelanggan terhadap Niat Pembelian Ulang pada Online Fashion Industry di Indonesia. GEMILANG: Jurnal Manajemen dan Akuntansi, 4(3), 20–31.
Munthaha, M. M., Aqil, I., Maulana, S. R., Wahyuni, A. S., & Muna, A. (2024). Implementation of QRIS: A Case Study of SMEs in Indonesia. Dinasti International Journal of Economics, Finance & Accounting (DIJEFA), 5(3).
Pattynama, F. M., Santoso, H. A., Miarsa, F. R. D., & Pribadi, T. (2024). Legal Problems For Quick Response Code Indonesian Standard (QRIS) Users In Online Payment Transactions. ANAYASA: Journal of Legal Studies, 2(1), 44–55.
Pujianto, W. E., & Rodiyah, I. (2019). Zoning of modern markets and its effect on traditional markets in sidoarjo. Opcion, 35(88), 832–861.
Putrevu, J., & Mertzanis, C. (2024). The adoption of digital payments in emerging economies: challenges and policy responses. Digital Policy, Regulation and Governance, 26(5), 476–500.
Ramya, N., Sivasakthi, D., & Nandhini, M. (2017). Cashless transaction: Modes, advantages and disadvantages. International Journal of Applied Research, 3(1), 122–125.
Rizqiah, K., & Suwito, S. (2024). Strategi Peningkatan Ekonomi Digital dalam Menerapkan Pembayaran QRIS Dibidang Ekonomi pada Masa Mendatang. NUSANTARA: Jurnal Ilmu Pengetahuan Sosial, 11(5), 1891–1902.
Rohmah, M. A., Rodhiyah, M., Fadiyah, F., Fidia, R., Mahfiroh, E. H., Khoirotunnisa, S., & Ilhama, N. (2024). Sosialisasi Legalitas Usaha Untuk Masa Depan UMKM Yang Berkelanjutan angkringan sina , menyoroti tantangan yang dihadapi oleh banyak UMKM di Indonesia . Tanpa Salman serta Nur Aini . Tanpa sertifikasi halal , dia harus terus menjelaskan kepada konsumen Pe. 2(2), 84–95.
Shehadeh, M., Dawood, H. M., & Hussainey, K. (2024). Digital financial literacy and usage of cashless payments in Jordan: the moderating role of gender. International Journal of Accounting & Information Management.
Silalahi, A. Y., & Zhafarina, A. N. (2024). Arrangement of Blockchain Technology as an Effort to Prevent Payment Fraud via the Indonesian Standard Quick Response Code (Qris) Performed by Consumers in Electronic Transactions. LEGAL BRIEF, 13(2), 267–276.
Taherdoost, H. (2022). What are different research approaches? Comprehensive Review of Qualitative, quantitative, and mixed method research, their applications, types, and limitations. Journal of Management Science & Engineering Research, 5(1), 53–63.
Townsend, L., Sathiaseelan, A., Fairhurst, G., & Wallace, C. (2013). Enhanced broadband access as a solution to the social and economic problems of the rural digital divide. Local Economy, 28(6), 580–595.
van Zanden, J. L. (2023). Examining the Relationship of Information and Communication Technology and Financial Access in Africa. Journal of Business and Economic Options, 6(3), 26–36.
Westmore, B., & Leandro, A. (2023). Selected policy challenges for the American middle class.
Wirabuana, C., Marbanie, R., Sensuse, D. I., Hidayat, D. S., & Purwaningsih, E. H. (2024). Perceptions of the Use of Quick Response Code Indonesian Standard (QRIS) for Payment and its Impact on Consumer Behavior. Jurnal Sistem Informasi, 20(2), 1–17.
Yuwana, H. E., Xavier, M., Elliot, M., & Oscar, S. (2024). Transformation of QRIS-Based Urban MSME Payment Methods. Pengabdian: Jurnal Abdimas, 2(1), 23–30.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Mochammad Nafis, Wahyu Eko Pujianto, Nafia Ilhama Qurratu’aini, Afifatus Sholikhah
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish their manuscripts in this journal agree to the following conditions:
- The copyright on each article belongs to the author(s).
- The author acknowledges that the Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) has the right to be the first to publish with a Creative Commons Attribution 4.0 International license (Attribution 4.0 International (CC BY 4.0).
- Authors can submit articles separately, arrange for the non-exclusive distribution of manuscripts that have been published in this journal into other versions (e.g., sent to the author's institutional repository, publication into books, etc.), by acknowledging that the manuscript has been published for the first time in the Dinasti International Journal of Economics, Finance & Accounting (DIJEFA).
