Λεπτομέρειες βιβλιογραφικής εγγραφής
| Τίτλος: |
Public Perception of QRIS Implementation: Analysis of Adoption Barriers among Traditional Merchants in Indonesia. |
| Συγγραφείς: |
Serviana, Husty1 serviana@upi.edu, Haq, Ahmad Ahsanul |
| Πηγή: |
Operations Research & Decisions. 2026, Vol. 36 Issue 3, p1-17. 17p. |
| Θεματικοί όροι: |
*Street vendors, *Mobile commerce, *Expectation (Psychology), Indonesians, Applied sciences, Technology Acceptance Model, Tax compliance costs |
| Γεωγραφικοί όροι: |
Indonesia |
| Περίληψη: |
This study examines barriers to QRIS adoption among Indonesian traditional merchants by integrating technological anxiety and regulatory burden into the UTAUT2 model. Using mixed methods with data from 185 merchants across three major cities, PLS-SEM analysis shows effort expectancy (β = 0.342) and performance expectancy (β = 0.295) significantly drive adoption intention. However, technological anxiety (β = -0.218) and perceived regulatory burden (β = -0.186) are significant inhibitors. Qualitative findings reveal additional concerns about transaction costs, administrative complexity, and internet dependency. The study provides practical recommendations for Bank Indonesia and fintech providers to design more inclusive adoption strategies for micro-merchants. [ABSTRACT FROM AUTHOR] |
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| Βάση Δεδομένων: |
Business Source Index |