Adoption of QRIS as a Digital Payment Mode in the Culinary Subsector: A Conceptual Framework Study

Promoting the use of digital payment and ensuring financial inclusion is crucial in an era where digital transformation and changing behavior change at an unpredicted pace. One of the approaches done by the Indonesian Government Association to streamline digital transactions and enhance financial inclusion is launching the Quick Response Code Indonesian Standard (QRIS). This research study aims to develop a conceptual framework for understanding the adoption of the QRIS in the culinary subsector. The culinary subsector is chosen as it is one of the highest digital adoption sectors in Indonesia. This study employs a qualitative approach to analyze the factors influencing the adoption of QRIS in the culinary subsector, focusing on the unique characteristics and challenges faced by businesses in this industry through a systematic literature review technique. The research draws on existing literature on technology adoption, innovation diffusion, and payment systems to develop a comprehensive conceptual framework. This framework incorporates various factors such as performance expectancy, effort expectancy, facilitating condition, merchant compatibility, relative advantage, perception of ease, perception of risk, trust, and knowledge that are deemed significant in the QRIS adoption on micro and small businesses in the culinary subsector. The finding shows that perception of ease becomes the most significant factor that relates to how QRIS could help them in achieving significant performance. This research is expected to support the growth of digital payment systems in the culinary subsector, fostering financial inclusion, improving transaction efficiency, and driving the overall development of the Indonesian culinary industry.