Increasing, resulting in several changes fo;;owed by technological devlopments in the industrial revolution. One form of progress in internet technology is the use of financial technology in payment systems where payment transaction methods are facilitated by the phenomenon of a cashless society or payments using electronic money. MSMEs also experience this impact which emphasizes the importance of internet use. QRIS is the latest innovation in digital payments, namely the Quick Response Code Indonesian standard. QRIS, which was intiated by Bank Indonesia, provides convenience intransactions anywhere and anytime. This study aims to find out how the implementation of financial technology in QRIS as a Digital Payment System in the MSME Sector in Binjai Cuty. This research uses qualitative descriptive method. Data collection techniques, namely using observation, interviews, documentation and literature studies which will be analyzed through the author’s observations to answer the formulation of the research that the researcherts conducted in order to socialize the implementation of the use of QRIS in several MSMEs in the city of Binjai, namely street vendors such as Dayana Ponsel, Seafood Meatball Traders, Takoyaki Kimono, Geprek Chicken Vendors Adek Sri who are in the city Binjai. Through the interview method of several respondents from street vendors, the results of the study proved that 20% of MSME actors already use the the payment system using QRIS, but 80% of MSME traders do not know what QRIS is. QRIS helps merchants (MSMEs) to make payments mor ppractical, fast and secure and with the convenience of these transactions people choose to shop and will indirectly increase income for MSME players.

Thus the purpose of this study is to analyze the marketing promotion strategy implemented by PT Kalbe Farma Tbk's Marketing Area to build competitiveness and improve the pharmaceutical industry, especially in selling generic drugs. Business strategy is a tool that gives a company a competitive advantage. Competitive advantage is a prerequisite for companies to maintain the desired competitive advantage in order to remain profitable and sustainable. consumer purchases continue to increase, advertising and other promotional tools must be balanced by giving discounts and gifts that increase sales value. The research method used is a qualitative approach research method. Qualitative methodology is a research procedure that produces descriptive data in the form of written or spoken words from people and observable behavior. Data collection techniques are carried out by analyzing literature related to research, scientific journals, books, magazines and others. He admitted that 400 of Kalbe's products were also copies of generic foreign products. Through Innogene, Kalbe will be listed as the first local pharmaceutical company to launch various innovative and original products made by Kalbe. The results show that from the analysis of external factors, the opportunities for foreign market distributor promotion strategies for Kalbe are: good pharmaceutical market growth, product innovation and patents, pharmaceutical regulatory policies that benefit incumbent players, information technology capabilities, product technology capabilities and processes, capabilities of economies of scale, broad product lines, ability to build quality. and supply chain capabilities.