Mobile AI Applications to Support QRIS Literacy and Financial Growth of Traditional Market SMEs

Agus Dwianto; Annisa Qurrota A’yun; Isnayni Sabila

doi:10.69725/jebi.v2i1.234

Authors

Agus Dwianto Department of Accounting, Faculty of Economics and Business, Universitas Sebelas Maret, Surakarta, Indonesia
Annisa Qurrota A’yun Management Program, Vocational School, Diponegoro University, Semarang, Indonesia.
Isnayni Sabila Department of Accounting, Faculty of Economics and Business, Universitas Sebelas Maret, Surakarta, Indonesia

DOI:

https://doi.org/10.69725/jebi.v2i1.234

Keywords:

Fintech adoption, QRIS, AI, Digital Trust, MSMEs

Abstract

Objective: The purpose of this research is to analyse how perceptions of mobile banking, the use of artificial intelligence (AI), literacy towards QRIS, and the level of trust in digital payment systems affect the adoption of QRIS by MSME players, with ease of use as a mediating variable.
Methods: The survey 654 was analysed using a quantitative explanatory approach involving the further use of regression and mediation (Sobel) tests based on TAM and UTAUT model.
Results: Results indicate that mobile banking familiarity, AI use, QRIS knowledge, and trust have significant relationships with digital payment adoption as influential factors directly, and indirectly through the mediator of perceived ease of use. Ease of use serves as a salient link between the behaviour and the technology. The use of AI is a new actually a new prime mover for establishing trust in digital interfaces. QRIS literacy is validated as a key facilitator and trust defuses accepted mistrust in low-tech settings.
Novelty: This research’s contribution is the discussion of Artificial Intelligence (AI) which is utilized as behavioural facilitating in fintech adoption such as QRIS. Through the incorporation of AI usages into the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), this study enriches conventional models for intelligent financial ecosystems. This line of reasoning offers us new perspectives of how AI powered trust, personalization and automation affect user behaviour especially for MSMEs in semi-formal economic sectors.
Practical Implications: The practical contribution of this research is to provide implications for policy maker, fintech developers, and MSME enablers by encouraging the need to improve the AI-based features, user trust, and easy to use of digital payment system such as QRIS. Enhancing digital literacy and incorporating user friendly mobile interface have potential to increase usage amongst MSMEs. In addition, promoting ethical use of AI can build user trust, helping to further broaden financial inclusion and sustainable digital transformation in Indonesia shaping semi formal economy.

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Author Biographies

Agus Dwianto, Department of Accounting, Faculty of Economics and Business, Universitas Sebelas Maret, Surakarta, Indonesia

Agus Dwianto, S.E., M.Ak (Asist., Prof)
Agus Dwianto serves as an editor and reviewer for various international peer-reviewed journals indexed in Scopus. He is affiliated with the Department of Accounting, Faculty of Economics and Business, Universitas Sebelas Maret, Surakarta, Indonesia. His research spans financial technology adoption, sustainability reporting, and earnings management in emerging economies. In addition to his academic work, he actively evaluates manuscripts in areas related to accounting innovation and digital transformation.
Annisa Qurrota A’yun, Management Program, Vocational School, Diponegoro University, Semarang, Indonesia.

Annisa Qurrota A’yun, S.E., M.M.
Annisa Qurrota A’yun is a reviewer and editorial contributor to several scholarly journals in the field of management and business innovation. She is affiliated with the Management Program, Vocational School, Diponegoro University, Semarang, Indonesia. Her research interests include digital entrepreneurship, organizational agility, and innovation adoption among MSMEs. She has reviewed manuscripts on topics such as strategic management, marketing analytics, and SME competitiveness.
Isnayni Sabila, Department of Accounting, Faculty of Economics and Business, Universitas Sebelas Maret, Surakarta, Indonesia

Isnayni Sabila, S.E., M.Ak
Isnayni Sabila is an academic researcher and peer reviewer specializing in public sector accounting and financial literacy in the digital era. She is affiliated with Universitas Sebelas Maret and actively contributes to the editorial process of national and international journals. Her expertise includes government accounting, MSME development, and behavioral aspects of financial decision-making.

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