Indonesia's digital economy has contributed the most to national GDP growth, 10.35%. The number of automated teller machines (ATMs) has continued to decrease in Indonesia. By 2020, by the year 2020, a number of different gadgets will bi connected to an integrated ecosystem payment system. Given that the Indonesian government targets financial inclusion to be >90% by 2021, the digital revolution of the last ten years has significantly changed the transaction behavior of economic agents. The transaction pattern has shifted to shopping transactions on digital platform and this demands mobile payment methods. In an effort to increase digital transactions, the Indonesian government will launch the QRIS payment system in August 2019.
Quick response Indonesia standard (QRIS)is a standard QR code that facilities digital payment transactions. This research is to investigate QRIS by merchants among sellers at traditional markets, by analyzing perceived ease of use (PEU), perceived of Usefulness (PU), Intention to Use (IU), Actual usage (AU), and perceived security (PS) as the moderating variable using technology acceptance model and PLS-SEM with SmartPLS4 software. The results are PEU and PU are significantly affect the IU QRIS, while IU also has a significantly affect to the AU. However, the PS has no moderating effect toward the relationship between IU and AU of QRIS among the seller at traditional market (pasar minggu, pasar tebet barat and pasar tebet timur) Jakarta. Through this study the authors also found that PEU and IU had a low relationship especially to the female respondents. In this regard, the author offers one of the recommendations for increasing socialization related to QRIS, which is exclusive to traditional market traders.