PEMANFAATAN QRIS DALAM TRANSAKSI HARIAN UMKM DESA SEMBALUN

Abstract

The development of digital technology has brought significant changes to the payment system in Indonesia. One widely used innovation is the Quick Response Code Indonesian Standard (QRIS). This paper discusses the use of QRIS in daily transactions of Micro, Small, and Medium Enterprises (MSMEs) in sembalun Village. The study used a descriptive qualitative approach using interview, observation, and documentation techniques. The results show that QRIS provides convenience, speed, and efficiency in daily MSME transactions. However, obstacles such as a lack of digital literacy and unequal internet access remain. Nevertheless, QRIS has been proven to improve service quality and business professionalism.