Analysis of the Use of QRIS on Increasing MSME Revenue: A Systematic Literature Review (SLR)
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Quick Response Code Indonesian Standard (QRIS) is a digital payment innovation that has been widely adopted by Micro, Small, and Medium Enterprises (MSMEs) due to its convenience, speed, and transaction efficiency. The increasing use of QRIS reflects its role in supporting the digital transformation of MSMEs. This study aims to analyze the use of QRIS in increasing MSME income in Indonesia. The study employed a Systematic Literature Review (SLR) method based on the PRISMA framework. The literature was collected from the Google Scholar database using the Publish or Perish application. Out of 50 articles initially identified, 10 articles met the inclusion criteria and were further analyzed. The findings indicate that the use of QRIS is associated with increased MSME income through transaction convenience, payment efficiency, improved customer satisfaction, and expanded access to digital payment systems. The implementation of QRIS is supported by payment digitalization policies and the increasing use of smartphones. However, several challenges remain, including low digital literacy, limited internet infrastructure, Merchant Discount Rate (MDR) fees, and public preference for cash transactions.
Keywords: QRIS, MSMEs, MSME income, digital payments
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