Pengaruh Literasi Digital, Adopsi Pembayaran QRIS, dan Preferensi Konsumen terhadap Peningkatan Transaksi Digital di Pasar Kreneng Denpasar
DOI:
https://doi.org/10.32585/jbfe.v6i2.7714Keywords:
Consumer Preferences, Digital Literacy, Digital Transactions, Pasar Kreneng Denpasar, QRIS Payment AdoptionAbstract
Digital transformation in Pasar Kreneng Denpasar is influenced by digital literacy, QRIS payment adoption, and consumer preferences, which, despite being supported by technological developments and government policies, still face challenges related to digital capabilities and cash-based transaction habits, thus requiring continuous education and assistance. The purpose of this study is to examine the effect of digital literacy, QRIS payment system adoption, and consumer preferences on the increase in digital transactions at Pasar Kreneng Denpasar. This study employs a quantitative approach conducted at Pasar Kreneng Denpasar with a population of 3,168 traders and consumers and a sample of 97 respondents selected through purposive sampling, using primary and secondary data collected via Likert-scale questionnaires and documentation, which were then analyzed using SPSS through validity and reliability tests, descriptive analysis, classical assumption tests, and multiple linear regression to examine the effects of digital literacy, QRIS adoption, and consumer preferences on the increase in digital transactions. The results indicate that digital literacy, QRIS payment adoption, and consumer preferences, both partially and simultaneously, have a positive and significant effect on increasing digital transactions at Pasar Kreneng Denpasar, with consumer preferences being the most dominant factor; therefore, the better the technological understanding, the wider the use of QRIS, and the stronger consumers’ preference for digital payments, the higher the intensity of digital transactions in this traditional market.
Downloads
References
Alfiyana, A., Muslim, F., & Putra, I. (2025). Pengaruh literasi keuangan dan literasi digital terhadap penggunaan QRIS siswa kelas XI SMA Negeri Titian Teras H. Abdurrahman Sayoeti Jambi. Jurnal Pendidikan Ekonomi (JUPE), 13(3), 294–302. https://doi.org/10.26740/jupe.v13n3.p294-302
Amelia, P., Ahdianti, F., Shakila, A. R., & Muhammad, A. F. (2025). Pengaruh penggunaan pembayaran digital (QRIS) terhadap tingkat pengeluaran konsumsi Generasi Z. Jurnal Interdisipliner, 1(6), 128–140.
Depriyani, M., & Iman, S. (2025). Digitalisasi sistem pembayaran berbasis QR code untuk mendorong transaksi non-tunai di pasar tradisional di Kota Yogyakarta. Aksime: Jurnal Pengabdian Masyarakat Bidang Akuntansi, Manajemen & Ekonomi, 2(2), 33–47.
Ekaputra, P. S., Ciptosari, F., & Halim, T. (2024). Adopsi teknologi pembayaran digital QRIS di kalangan UMKM Labuan Bajo: Tantangan dan peluang. Jurnal Akademisi Vokasi, 3(2), 1–13. https://doi.org/10.63604/javok.v3i2.138
Hidayat, R. (2024). Analisis perilaku pengguna dalam mengadopsi pembayaran QRIS di kalangan masyarakat urban Bandung (Tesis, Universitas Padjadjaran). Repositori Universitas Padjadjaran.
Khairani, N., Saragih, A. Y., Panggabea, W. N., & Manihuruk, O. J. G. (2025). Pengaruh QRIS terhadap efisiensi operasional UMKM pada era transformasi digital: Studi literatur. Innovative: Journal of Social Science Research, 5(3), 6764–6774.
Khresna Reza, H., & Susanti, M. (2023). Keuangan digital. Penerbit Buku Kompas.
Kristanty, D. N. (2024). Tren dan tantangan keamanan bertransaksi dengan QRIS dalam era transformasi sistem pem-bayaran digital. Jurnal Syntax Admiration, 5(10), 3923–3933. https://doi.org/10.46799/jsa.v5i10.1538
Lestari, D. (2024). Pengaruh literasi digital dan adopsi QRIS terhadap peningkatan transaksi non-tunai pada pelaku UMKM di Surabaya (Skripsi, Universitas Airlangga). Repositori Universitas Airlangga.
Lumintang, J., et al. (2023). Transisi sistem pembayaran Indonesia era digital. Literasi Nusantara Abadi.
Muninggar, R. A., & Rahardiansah, T. (2024). Pemberdayaan hukum pembayaran digital melalui penggunaan teknologi Quick Response Code Indonesian Standard di masyarakat. Jurnal Pembangunan Hukum Indonesia, 6(3), 394–417.
Puspita, D., Hatta, A., Rahajuni, D., & Anggraeni, O. (2025). Analisis faktor kemudahan, manfaat, dan kepercayaan ter-hadap penggunaan QRIS sebagai instrumen perekonomian digital. J-ESA, 8(1), 1–16. https://doi.org/10.52266/jesa.v8i1.4407
Puteri, A. M., Inanda, I., & Prasetio, R. B. (2024). Pengaruh literasi keuangan dan literasi digital terhadap preferensi bank digital di kalangan mahasiswa. Jurnal Publikasi Ilmu Manajemen, 3(4), 16–25. https://doi.org/10.55606/jupiman.v3i4.4467
Putra, I. M. G., & Dewi, K. A. (2023). Faktor-faktor yang mempengaruhi adopsi QRIS oleh pedagang di Bali (Skripsi, Universitas Udayana). Repositori Universitas Udayana.
Raharjo, B. (2021). Fintech: Teknologi finansial perbankan digital. STIE Komputer Indonesia.
Rosmawarni, N. (2023). E-commerce: Suatu pengantar bisnis digital. Penerbit Buku Kompas.
Sari, Y. F., & Indarta, A. (2025). Pengaruh literasi keuangan, manfaat, dan kemudahan terhadap keputusan penggunaan ulang Quick Response Indonesian Standard (QRIS) pada Generasi Z Kabupaten Klaten. Jurnal Bisnis Mahasiswa, 5(3), 1151–1162. https://doi.org/10.60036/jbm.673
Sjahruddin, H., Rusma, R., Faudziah, C. D., Jannah, M., Baithar, N. A., Sari, U. R. M., & Zain, Y. (2025). Efek moderasi kepercayaan pengguna: Dampak literasi keuangan dan kemudahan terhadap keputusan penggunaan QRIS. Jurnal Bina Bangsa Ekonomika, 18(1), 1323–1336.
Sugiyono. (2022). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Suharyanto, A. (2023). Pengaruh literasi digital terhadap keputusan penggunaan QRIS pada pedagang pasar di Kota Malang (Tugas akhir, Universitas Brawijaya). Repositori Universitas Brawijaya.
Suyanto. (2023). Mengenal dompet digital di Indonesia. CV. AA. Rizky.
Teyensi, T., Nistiani, A., Febrianti, L., & Harpepen, A. (2025). Pelatihan penerapan pembayaran QRIS pada UMKM untuk meningkatkan efisiensi transaksi. Mestaka: Jurnal Pengabdian Kepada Masyarakat, 4(3), 238–243. https://doi.org/10.58184/mestaka.v4i3.672
To’at, M., Pulubuhu, D. A. T., & Muhammad, R. (2025). Dari tunai ke digital: Dampak sosial penggunaan QRIS di ka-langan muda. Journal of Humanity and Social Justice, 7(1), 64–84. https://doi.org/10.38026/jhsj.v7i1.69
Wulandari, N. P. (2022). Analisis preferensi konsumen terhadap sistem pembayaran digital di pasar tradisional Kota Semarang (Skripsi, Universitas Negeri Semarang). Repositori Universitas Negeri Semarang.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Journal of Business, Finance, and Economics (JBFE)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with the Journal Of Business, Finance, and Economics (JBFE) agree to the following terms:
- Authors retain copyright and grant the journal the right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
