ANALISIS PENGGUNAAN QRIS SEBAGAI METODE PEMBAYARAN DIGITAL PADA KEDAI UMI ALIKA

Abstract

The rapid development of digital technology has encouraged changes in payment systems, especially among Micro, Small, and Medium Enterprises (MSMEs). One of the most widely adopted innovations is the Quick Response Code Indonesian Standard (QRIS), which enables cashless transactions to be carried out more quickly, conveniently, and securely. This study aims to analyze the use of QRIS as a digital payment method at Kedai Umi Alika and to identify the benefits and challenges associated with its implementation. The research employs a descriptive qualitative approach, with data collected through observation, interviews, and documentation. The findings indicate that the implementation of QRIS at Kedai Umi Alika provides several advantages, including faster transaction processes, reduced reliance on cash, easier financial record-keeping, and improved customer convenience in making payments. Furthermore, QRIS helps the business adapt to digital transformation and enhances its competitiveness in the market. However, several challenges were identified, such as dependence on internet connectivity, limited understanding of digital payment systems among some customers, and potential technical disruptions during transactions. Overall, the use of QRIS at Kedai Umi Alika has proven to be effective in supporting business operations and providing added value for both business owners and customers. The study concludes that QRIS plays an important role in promoting transaction efficiency, payment security, and better financial management for MSMEs.