The Influence of Digital Literacy on Intention to Use QRIS by Using TAM as the Cashless Paying Method on MSME in Samarinda Seberang District


This research was conducted to measure the influence of digital literacy with an intention to use QRIS by utilizing TAM (technology acceptance model) as supporting technology. The object of this research is the MSMEs of Samarinda Seberang District in East Kalimantan. Data collection was carried out through a self-filled questionnaire with a closed statement structure to confirm various information and concepts that explain the intention of using QRIS in MSMEs among MSME actors in Samarinda District, Samarinda. A total of 120 responses were used in this study. Based on the results of the analysis, it can be concluded that perceived usefulness (X1) significantly impacts intention to use (Y); perceived ease of use (X2) significantly impacts on intention to use (Y); perceived usefulness (X1) significantly impacts on perceived ease of use (X2); and Digital Literacy (X3) significantly impacts on intention to use (Y). This means that the intention to use QRIS as a payment application can be created through the perceived benefits, convenience created, and understanding of digital literacy owned by MSME members in Samarinda Seberang District. In summary, the findings of this investigation lend credence to the TAM theory which has been tested by previous researchers.

Keywords: digital literacy, perceived ease to use, perceived usefulness, intention to use, TAM, MSME

[1] Ardi PU. Fakta Seputar IKN, 4 Daerah Penyangga, Samarinda Jadi “Jantung”, Balikpapan sebagai “Otot.” Kompas 2022.

[2] Dinas Koperasi dan UKM. Jumlah UMKM Kota Samarinda. Satu Data Samarinda 2023.

[3] Bank Indonesia. Profil Bisnis Usaha Mikro, Kecil Dan Menengah (Umkm). Bank Indonesia Dan LPPI 2015:1–135.

[4] Tetlay A, John P. Determining the lines of system maturity, system readiness and capability readiness in the system development lifecycle. 7th Annual Conference on Systems Engineering Research (CSER 2009) 2009;2009:1–8.

[5] Nimfa DT, Shaharudin A, Latiff A, Wahab SA. Theories Underlying Sustainable Growth of Small and Medium Enterprises. African Journal of Emerging Issues (AJOEI) Online ISSN 2021:43–66.

[6] Gunawan H, Sinaga BL, Sigit Purnomo WP. Assessment of the readiness of micro, small and medium enterprises in using E-money using the unified theory of acceptance and use of technology (UTAUT) method. Procedia Computer Science 2019;161:316–23.

[7] Qasem Z. The effect of positive TRI traits on centennials adoption of try-on technology in the context of E-fashion retailing. International Journal of Information Management 2021;56:102254.

[8] Balakrishnan V, Shuib NLM. Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia. Technology in Society 2021;65:101554.

[9] Verkijika SF. Factors influencing the adoption of mobile commerce applications in Cameroon. Telematics and Informatics 2018;35:1665–74.

[10] Lucchetti R, Sterlacchini A. The Adoption of ICT among SMEs: Evidence from an Italian Survey. Small Business Economics 2004;23:151–68.

[11] Arner DW, Barberis JN, Buckley RP. The evolution of Fintech: A new post-crisis paradigm? SSRN Electronic Journal 2015.

[12] Bank Indonesia. QR Code Indonesian Standard (QRIS). Bank Indonesia 2020.

[13] Parasuraman A. Technology Readiness Index (Tri): A multiple-item scale to measure readiness to embrace new technologies. Journal of Service Research 2000;2:307– 20.

[14] Ahmad H, Butt AH, Khan A, Shafique MN, Nawaz Z. Reluctance to acceptance: Factors affecting e-payment adoption in Pakistan (The integration of TRI and TAM). SMART Journal of Business Management Studies 2020;16:49.

[15] Kumar A, Mukherjee A. Shop while you talk: Determinants of purchase intentions through a mobile device. Mobile Marketing Association. Ijmm 2015;8:23–27.

[16] Abima B, Engotoit B, Kituyi GM, Kyeyune R, Koyola M. Relevant local content, social influence, digital literacy, and attitude toward the use of digital technologies by women in Uganda. Gender, Technology and Development 2021;25:87–111.

[17] Prayaga P, Rennie E, Pechenkina E, Hunter A. Digital literacy and other factors influencing the success of online courses in remote indigenous communities. In: Frawley J, Larkin S, Smith JA, editors. Indigenous pathways, transitions and participation in higher education: From policy to practice, Singapore: Springer Singapore; 2017, p. 189–210.

[18] Fishbein M, Ajzen I. Belief, attitude, intention, and behavior: An introduction to theory and research. Contemporary Sociology 1977;6:244.

[19] Dachyar M, Banjarnahor L. Factors influencing purchase intention towards consumer-to-consumer e-commerce. Intangible Capital 2017;13:946–66.

[20] Davis FD. Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Q 1989;13:319–40.

[21] Jogiyanto H. Sistem informasi keperilakuan. Yogyakarta: Andi Offset; 2007.

[22] Davis FD, Bagozzi RP, Warshaw PR. User acceptance of computer technology: A comparison of two theoretical models. Management Science 1989;35:982–1003.

[23] Ayun Q. Analisis Tingkat Literasi Digital dan Keterampilan Kolaborasi Siswa dalam Pembelajaran IPA Kelas VII Secara Daring. Jurnal Didaktika Pendidikan Dasar 2021;5:271–90.

[24] Maspuroh U, Nurhasanah E, Syafroni RN, Sugiarti DH. Implementasi Literasi Digital dalam Keterampilan Berbicara Melalui Siniar untuk Membentuk Personal Branding Siswa SMA Negeri 1 Telukjambe dan Sma Negeri 1 Majalaya Kabupaten Karawang. Syntax Literate: Jurnal Ilmiah Indonesia 2022;7.

[25] Anggraeni H, Fauziyah Y, Fahyuni EF. Penguatan Blended Learning Berbasis Literasi Digital dalam Menghadapi Era Revolusi Industri 4.0. Al-Idarah : Jurnal Kependidikan Islam 2019;9:190–203.

[26] Syah R, Darmawan D, Purnawan A. Analisis Faktor yang Mempengaruhi Kemampuan Literasi Digital. Jurnal AKRAB 2019;10:60–9.

[27] Case T, During S. The effect of electronic word of mouth and social media on the decision to visiting with destination image as a mediating variable. Hasanuddin Journal of Business Strategy 2021;3:69–84.

[28] Penz D, Amorim BC, Nascimento S, Rossetto CR. The influence of technology readiness index in entrepreneurial orientation: A study with Brazilian Entrepreneurs in the United States of America. International Journal of Innovation 2017;5:66–76.

[29] Sani A, Aisyah S, Budiyantara A, Doharma R, Hindardjo A, Frieyadie F. Readiness technology and success model information technology in implementation between SMES in Jakarta. JITK ( Jurnal Ilmu Pengetahuan Dan Teknologi Komputer) 2022;7:111–8.

[30] Alam SS, Ali MY, Jani MFM. An empirical study of factors affecting electronic commerce adoption among SMEs in Malaysia. Journal of Business Economics and Management 2011;12:375–99.

[31] Hair F Joseph, William C. Black B, Babin BJREA. Multivariate Data Analysis: Global Edition, 7th Edition. Pearson Education; 2010.

[32] Sugiyono. Metode Penelitian Kuantitatif Kualitatif dan R & D. Bandung: Alfabeta; 2012.

[33] Ghozali I, Latan H. Konsep, teknik, aplikasi menggunakan Smart PLS 3.0 untuk penelitian empiris. BP Undip Semarang 2015;290.

[34] Ghozali I, Latan H. Partial least squares konsep, teknik dan aplikasi menggunakan program smartpls 3.0 untuk penelitian empiris. Semarang: Badan Penerbit UNDIP 2015.