Penelitian bertujuan untuk mengukur dan mengetahui pengaruh persepsi manfaat, persepsi kemudahan penggunaan, dan persepsi risiko terhadap minat menggunakan pembayaran digital QRIS oleh pelaku UMKM di Kota Salatiga Provinsi Jawa Tengah. Pengumpulan data menggunakan Google Forms dengan skala Likert. Sampel yang akan digunakan adalah 60 responden UMKM di Kota Salatiga dengan teknik non-probability sampling jenis convenience sampling yaitu karena kemudahan dalam memperoleh data. Analisis data menggunakan metode regresi linier berganda dan diolah dengan menggunakan SPSS 26.0. Hasil penelitian menunjukkan bahwa variabel persepsi manfaat, persepsi kemudahan penggunaan, dan persepsi risiko berpengaruh signifikan terhadap minat menggunakan pembayaran digital QRIS oleh pelaku UMKM di Kota Salatiga dan variabel persepsi manfaat berpengaruh dominan terhadap minat. dalam penggunaan pembayaran digital QRIS oleh pelaku UMKM di Kota Salatiga Provinsi Jawa Tengah.

The behavior of changing the use of technology for business actors is very rapid. Information of system is form of data that has been processed through a certain model into information that can be used by the recipient in making decisions.
Some MSME actors with a Data List of product images and detailed information on their products to be marketed to customers using laminated paper. Marketing information using the Website implements CMS with E-Catalog as an alternative solution. Reader and Viewers can view the Catalog privately or together. The treatment of the Plugin model with the CMS that has been embedded on the website is reliable because it is online.
Several list images are displayed on WhatsApp Status and social media to introduce products to the public with the aim of increasing sales volume and selling in the market. This is an obstacle if one day people need pictures but do not have complete detailed information. High purchasing power is expected to be created from the spread of E-Catalog regarding products from MSMEs that have been installed on the E-Catalog website. Websites with online CMS can be opened on any device by requiring an internet connection, making it easier for marketing and complete information for consumers, customers and MSME business players.

This study aims to see how much influence the financial technology variable with the e-commerce variable has on the financial satisfaction variable in the city of Salatiga, Central Java province. Data collection was carried out for one month using Googleform to find out answers related to research variables and respondent biodata. Respondents consist of SMEs in the city of Salatiga with a total of 100 respondents. The assessment of the answers to the questionnaire uses a Likert scale. The data analysis method used multiple linear regression assisted by SPSS 23 software to process it. The final result shows that financial technology and e-commerce variables have a significant influence on financial satisfaction. The e-commerce variable is the most dominant in achieving optimal financial satisfaction for respondents.