Assistance in QRIS-Based Digital Payment Adoption among MSMEs in Sei Bamban Village: Digital Literacy Barriers and Tax Concerns

Abstract

QRIS represents a form of digital payment innovation that 

can assist MSMEs in conducting transactions more practically and 

efficiently. Although the use of QRIS continues to grow, its adoption 

among MSME operators and the general public has not yet reached 

optimal levels. This study examines the various obstacles faced by 

MSME operators regarding the use and registration process of QRIS 

in Sei Bamban Village, Langkat Regency. The research employed a 

qualitative descriptive method, utilizing direct observation and 

communication with MSME operators during a Community Service 

Program (KKN). Observations revealed several conditions 

contributing to the limited adoption of QRIS. Some MSME operators 

remain concerned about the potential link between QRIS usage and 

taxation. Furthermore, some business owners perceive the 

registration process and the method of using QRIS as overly 

complex. Limited knowledge regarding digital payments is another 

factor influencing its adoption. A prevailing habit of using cash also 

means that QRIS transactions have not yet become the preferred 

choice. This trend is particularly evident among consumers, many of 

whom belong to older demographics and are more accustomed to 

using cash. In practice, some MSMEs already possessed QRIS, 

thereby eliminating the need for re-registration. Thus, the 

availability of QRIS as a digital payment tool does not automatically 

guarantee a high level of usage; its adoption is also contingent upon 

the knowledge, digital literacy, understanding, and trust that both 

MSME operators and consumers place in digital payment systems.