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The payment digitization process is inherent for MSMEs to improve they transaction. Digital payments that starting to be demand today is QR codes, namely QRIS. One of the cities that used QRIS is Tasikmalaya City. Cikurubuk Market is one of markets that has started to implement QRIS from 2020. However, until now the implementation are still not effective in use. This study to analyze and provide recommendations regarding efforts to implement QRIS in Cikurubuk Market, Tasikmalaya City, with an approach from the Technology Acceptance Model (TAM) theory. The results that perceived usefulness still does not have an impact and usefulness on the performance merchants because of the lack of buyers using QRIS and support systems that are still lacking. In perceived ease of use, merchants understand how to use QRIS because it is easy, even though the role of the organizers themselves still does not provide good socialization. From these two perceptions, of course, it forms the attitude and intention of the traders that they will continue to use QRIS in their shophouses. The biggest hope for the organizers is to carry out socialization and increase their seriousness to implement this QRIS so that it can be useful in practice.    

This study investigates the perception of the public's perception of cashless transactions, the implementation of the Quick Response Code Indonesian Standard (QRIS) by Bank Indonesia, and the impact of QRIS on the volume of cashless transactions as well as the challenges and opportunities for its development. volume of non-cash transactions as well as challenges and opportunities for its development. Methods qualitative method with a literature research approach was used. Data and information were collected from various reliable sources, such as scientific journals, books, and relevant articles. The results show that the implementation of QRIS has increased the adoption of cashless transactions, especially in 2022. This helps MSMEs as it speeds up their operations and expands their customer base. their customer base. However, infrastructure issues, uneven digital literacy, and security threats such as uneven digital literacy, and security threats such as fake QR code scams are the challenges faced. More efforts are needed to improve digital literacy literacy and developing adequate technological infrastructure to ensure the benefits of the benefits of QRIS can be enjoyed by all levels of society.  

This study aims to analyze the perception and intensity of use of QRIS (Quick Response Code Indonesian Standard) among MSMEs (Micro, Small, and Medium Enterprises) in Pekalongan using descriptive qualitative research methods. QRIS is an electronic payment system that allows MSMEs to receive payments via QR codes that can be scanned using a banking application or digital wallet. Through a descriptive qualitative approach, this study involved in-depth interviews with MSMEs owners and managers in Pekalongan to understand their perceptions of QRIS and their intentions in using this payment system. The researcher will use a structured interview guide to collect data on the knowledge, experience, and attitude of MSMEs towards QRIS. Data collected from interviews will be analyzed using descriptive analysis techniques, where findings and patterns arising from interviews will be identified, grouped, and interpreted. This analysis will provide a more in-depth insight into the perception and intensity of QRIS use among MSMEs in Pekalongan City. The results of this study are expected to provide a more in-depth understanding of the factors affecting QRIS adoption among MSMEs from their own perspective. The resulting information can be used to develop better strategies and policies in promoting QRIS use among MSMEs. In addition, the results of this study can also provide valuable input for banks, governments, and other stakeholders in expanding QRIS adoption and increasing financial inclusion in the MSME sector in Pekalongan City. It is hoped that this study will contribute significantly to the development and further understanding of QRIS implementation among MSMEs and help create a more efficient and inclusive payment ecosystem for MSMEs in Pekalongan City and the community as a whole.