The Effectiveness of using The Quick Response Code Indonesian Standard (QRIS) as a Digital Transaction Tool (Case Study: Triguna Polytechnic, Tasikmalaya)


Date Published : 15 October 2026

Contributors

Wildan Army Abdillah, S.E., M.E., M.M.

Politeknik Triguna Tasikmalaya
Corresponding Author

Nurhasanah, A.Md.

Politeknik Triguna Tasikmalaya
Author

Riza Faizal, S.IP., M.M.

Politeknik Triguna Tasikmalaya
Author

Keywords

Digital Transactions Effectiveness QRIS

Proceeding

Track

General Track

License

Copyright (c) 2026 International Seminar and Conference on Management, Research, and Transformation (I-SMART)

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Abstract

This study aims to determine the effectiveness of the use of QRIS as a digital transaction tool among the academic community of Triguna Tasikmalaya Polytechnic. This research method uses a qualitative approach with data collection techniques using triangulation, a combination of observation, interviews, and documentation. The subjects of this study were the academic community of Triguna Tasikmalaya Polytechnic, with a total of 9 informants interviewed. The data analysis technique used was qualitative analysis with data reduction, data presentation, and conclusions. The results of this study indicate that the use of QRIS as a digital transaction tool among the academic community of Triguna Tasikmalaya Polytechnic is considered quite effective. Although the use of QRIS has been effective, there are several challenges, such as the dissemination of information and education, socialization, security, and digital infrastructure, that still need to be improved so that the benefits of this QRIS program can be felt by all age groups, not only by the younger generation.

References

Al Asy ari, M. K. H., & Rahman, M. (2020). Technology: Technological Advances and
Changes in Human Lifestyles in a Socio-Cultural Perspective. Proceeding
International Conference on Science and Engineering, 3(April), 721–730.
https://doi.org/10.14421/icse.v3.592
Amalia Ramadhani, M. (2023). Literature Study: Development Of Fintech Technology.
Information Technology International Journal, 1(1), 37–43.
https://doi.org/10.33005/itij.v1i1.7
Baghirzade Ali, & B, K. (2020). THE INTRODUCTION OF DIGITAL TECHNOLOGIES
INTO THE ECONOMIC ACTIVITY OF THE COUNTRY, AS WELL AS THE
IMPACT OF THE DIGITAL FACTOR ON HUMAN LIFE. 23529(2), 1–45.
Bwalya, K., & Daniel Paul, J. P. (2024). Title: The Impact of Financial Technology on
the Financial Services Industry: A Systematic Review.
https://ssrn.com/abstract=4973265
CHEMMANUR, T. J., IMERMAN, M. B., RAJAIYA, H., & YU, Q. (2020). Recent
Developments in the Fintech Industry. Journal of Financial Management, Markets
and Institutions, 8(1), 1–31. https://doi.org/10.1142/S2282717X20400022
Gao, T. (2024). Fintech: Digital Transformation in the Financial Industry. Advances in
Economics, Management and Political Sciences, 74(1), 1–7.
https://doi.org/10.54254/2754-1169/74/20241863
Handayani, T., & Novitasari, A. (2020). Digital Wallet as a Transaction Media in the
Community. IOP Conference Series: Materials Science and Engineering, 879(1).
https://doi.org/10.1088/1757-899X/879/1/012001
Hasyim, Pulungan, F. A., Sitorus, H. N. S., & Muliana, R. S. (2023). Increasing the Use
of Electronic Money Transactions (E-Money) in Indonesian Society. Indonesian
Journal of Accounting and Financial Technology, 1(2), 59–70.
https://doi.org/10.55927/crypto.v1i2.4267
Heshan, W. (2023). A Study of the Impact of Internet Finance on the Performance of
Commercial Banks. Financial Engineering and Risk Management, 6(9), 21–27.
https://doi.org/10.23977/ferm.2023.060903
Jain, A., & Sarupria, A. (2020). Financial Technology (Fintech\’S) Role in Day To Day
Banking: a New Digital Era Vision. International Journal of Advanced Research,
8(4), 1141–1151. https://doi.org/10.21474/ijar01/10890
Jalal, A., Mubarak, M. Al, & Durani, F. (2020). Financial Technology (Fintech) (Vol. 4,
Issue 5, pp. 525–536). Springer International Publishing.
https://doi.org/10.1007/978-3-031-35828-9
Kaji, S., Nakatsuma, T., & Fukuhara, M. (2021). The Economics of Fintech. In The
Economics of Fintech. https://doi.org/10.1007/978-981-33-4913-1
Karbalaii, M. (2025). Monetary evolution: how societies shaped money from antiquity to
cryptocurrencies. International Journal of Blockchains and Cryptocurrencies, 6(2),
132–159. https://doi.org/10.1504/ijbc.2025.147783
Li, Q. (2024). Design and Implementation of Digital Currency Payment System based on
Blockchain Technology. 2024 International Conference on Intelligent Algorithms
for Computational Intelligence Systems (IACIS), 1–5.
https://doi.org/10.1109/IACIS61494.2024.10721732
Mardiana, S. L., Faridatul, T., Herlindawati, D., Tiara, & Mardiyana, L. O. (2020). The
contribution of financial technology in increasing society’s financial inclusions in
the industrial era 4.0. IOP Conference Series: Earth and Environmental Science,
485(1), 0–7. https://doi.org/10.1088/1755-1315/485/1/012136
Meena, R. (2023). The Impact of Financial technology on Financial Services: A
Comprehensive Analysis. RESEARCH REVIEW International Journal of
Multidisciplinary, 8(3), 185–192. https://doi.org/10.31305/rrijm.2023.v08.n03.022
Najar, B. W. (2020a). Efficiency and/or Effectiveness in Managing Organizations.
Journal of Education and Culture Studies, 4(2), p131.
https://doi.org/10.22158/jecs.v4n2p131
Najar, B. W. (2020b). The Effectiveness Management in Organizations. Journal of
Education and Culture Studies, 4(4), p19. https://doi.org/10.22158/jecs.v4n4p19
NAREZ-SÁNCHEZ, I. A., & BERTTOLINI-DÍAZ, G. M. (2022). Fintech, the digital
age of financial services. Revista de Computo Aplicado, 6(18), 32–43.
https://doi.org/10.35429/jca.2022.18.6.32.43
Nosova, S., & Norkina, A. (2021). Digital technologies as a new component of the
business process. Procedia Computer Science, 190(2019), 651–656.
https://doi.org/10.1016/j.procs.2021.06.076
Rahmadiyanti, A., Kamilah, G., Hanifah, S., Gaol, F., & Matsuo, T. (2023). The
Implications of Electronics Money on the Digital Payment Method (pp. 667–678).
https://doi.org/10.1007/978-981-99-1726-6_51
Ruslan, Made Karmawan, G., Suharjito, Fernandoand, Y., & Gui, A. (2019). QR Code
Payment in Indonesia and Its Application on Mobile Banking. KnE Social Sciences,
2019, 551–568. https://doi.org/10.18502/kss.v3i22.5073
S, D., S, K., & D, K. (2024). BLOCKCHAIN TECHNOLOGY: A NEW ERA OF
TRANSACTION PROCESSING - (DECENTRALIZED, SECURE LEDGER
TRANSFORMING GLOBAL TRANSACTION PROCESSES).
INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING
AND MANAGEMENT, 08, 1–8. https://doi.org/10.55041/IJSREM37977
Sarvary, R., & Zyankova, I. (2022). The fintech industry in the 21st century and its impact
on the international economic system. Vestnik of Polotsk State University. Part D.
Economic and Legal Sciences, 1(5), 72–75. https://doi.org/10.52928/2070-1632-
2022-60-5-72-75
Sendjaja, T., Rachbini, D. J., Astini, R., & Asih, D. (2023). The Effectiveness of QRIS
Transaction Implementation During the COVID-19 Pandemic. International
Journal of Science and Society, 5(5), 871–878.
https://doi.org/10.54783/ijsoc.v5i5.952
Serval, J.-F., & Tranie, J.-P. (2023). Short History of Money from Antiquity to the TwentyFirst Century (pp. 1–15). https://doi.org/10.1007/978-3-031-24189-5_1
Sofwatunnisa, A. A., Kartawinata, B. R., Akbar, A., & Pradana, M. (2023). Quick
Response Code As A Game-Changer of Indonesian Digital Transactions. WSEAS
Transactions on Computer Research, 11, 479–485.
https://doi.org/10.37394/232018.2023.11.43
Susanti, M. (2024). Adoption of Mobile Payment on Qris Services in Indonesian.
International Conference of Business and Social Sciences, 3(1), 500.
https://doi.org/10.24034/icobuss.v3i1.409
Susanti, M., & Reza, H. K. (2020). Added Value and Ease of Using Quick Responses
QrisIndonesian Standard ( QRIS ). International Journal of Sciense, Technology &
Management, 3(3), 715–723.
Teker, S., Teker, D., & Orman, I. (2022). Digital Payment Systems: a Future Outlook.
Pressacademia, 2022(45), 175–176.
https://doi.org/10.17261/pressacademia.2022.1613
Triadi, I., & Yanuarsyah, D. (2025). Transformasi Sosial Masyarakat Akibat
Implementasi Gerakan Nasional Non Tunai (GNNT) dalam Sektor Ekonomi dan
Keuangan Negara. Birokrasi : Jurnal Ilmu Hukum Dan Tata Negara, 3(1).
Zargar, N. A., Handoyo, R. D., Heiqbaldi, U., Ibrahim, K. H., Ali, U., & Ula, E. N. (2023).
Adoption of Cashless Economy: A Review. Manajemen Dan Bisnis, 22(2), 74.
https://doi.org/10.24123/jmb.v22i2.701

Downloads

How to Cite

Nurhasanah, N., & Riza Faizal, R. F. (2026). The Effectiveness of using The Quick Response Code Indonesian Standard (QRIS) as a Digital Transaction Tool (Case Study: Triguna Polytechnic, Tasikmalaya) (W. A. A. Wildan Army Abdillah, Trans.). International Seminar and Conference on Management, Research, and Transformation (I-SMART), 1, 1003-1015. https://conference.unsil.ac.id/ismart/paper/view/297