Difusi Inovasi Penggunaan QRIS Pada Pelanggan UMKM Binaan Kantor Perwakilann Bank Indonesia Provinsi NTT (Studi Kasus Pada Pelanggan UMKM Peserta Exotic Tenun Fest 2025)

KELANA, Leonila Sheryl Yuanita (2025) Difusi Inovasi Penggunaan QRIS Pada Pelanggan UMKM Binaan Kantor Perwakilann Bank Indonesia Provinsi NTT (Studi Kasus Pada Pelanggan UMKM Peserta Exotic Tenun Fest 2025). Undergraduate thesis, Universitas Katolik Widya Mandira.

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Abstract

The development of digital technology has driven changes in the payment system from cash to non-cash transactions, one of which is through the Quick Response Code Indonesiann as a payment system authority that plays a role in encouraging the use of QRIS in MSMEs, including fostered MSMEs in East Nusa Tenggara Province. This study aims to understand the process of innovation diffusion of QRIS use among MSME customers in East Nusa Tenggara Province, especially among MSME customers participating in the Exotic Tenun Fest 2025. This study uses a descriptive qualitative approach with data collection techniques through indepth interviews, observation and documentation, research informants consisting of fostered MSME actors and customers who use QRIS as a payment tool. Data analysis was carried out based on the stages of innovation diffusion theory, namely knowledge, persuasion, decision, implementation, and confirmation, and linked to rational choice theory. The results of the study show that at the persuasion stage a positive attitude is formed through social media and direct information from MSME actors. At the persuasion stage a positive attitude is formed through interpersonal communication that emphasizes convenience, security, and implementation, customers and MSME actors choose to use QRIS based on rational considerations of the benefits obtained. The confirmation stage is evident in the continued use of QRIS and increased trust in the digital payment system. This study concludes that the diffusion of QRIS innovation among MSME customers is influenced by the effectiveness of communication channels and individual rational considerations regarding the benefits of using the innovation.

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