Analisis Faktor Hambatan Terhadap Tingkat Penggunaan Qris Pada Sektor Umkm Di Kota Palu

QRIS use by MSMEs in Palu City is still suboptimal, so it is important to identify factors hindering its utilization. This study aims to analyze digital literacy barriers, technological infrastructure barriers, and risk perception barriers on QRIS adoption rates. A quantitative approach was used, involving 75 respondents (excluding outliers) obtained through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using linear regression with SPSS. The results show that only risk perception barriers significantly influence QRIS adoption rates, while digital literacy and technological infrastructure barriers did not show significant effects. An R2 value of 0.149 indicates that the model only explains a small portion of the variation in QRIS usage. This finding confirms that digital security and trust remain key factors for MSMEs adopting QRIS. Consequently, improving digital security literacy and strengthening data protection need to be prioritized by local governments and Bank Indonesia to encourage broader QRIS adoption.