The development of mobile payments has been growing rapidly in Indonesia. The enhancement of the digital payment method in Indonesia is the Quick response Indonesian Standard (QRIS), a standard for QR code payment systems in Indonesia,which was implemented on January 1st 2020. ny bank Indonesia. This standardization has been established for MSMEs to facilitate a more streamlined and effective cashless payment systems. QRIS has been consolidating all QR payment system service providers utilized by MSMEs or merchants to expedite and simplify transactions, obviating the need to transport cash when purchasing daily necessities.
The MSME retailers in the traditional art market in Bali are one of the players that raise the local income, encourage economic growth, and strengthen the economy of the local community, especially through tourism. Though transaction exposure in Bali is high due to tourism, the penetration of GRIS merchants in Bali remains low. However, the pressure from consumers on art retailers to enhance their transactional service performance is unavoidable. As a developing country, Indonesia faced significant problems with its technology infrastructure, which made the retailers sometimes reluctant to use QRIS as their priority payment mode.
The purpose of the research is to evaluate perceived ease of use, perceived usefulness, and digital connectivity reliability as the moderating variable of the relationship between the intention to use QRIS and the actual QRIS application among retailers at Art Traditional markets in Bali, using technology acceptance model. The population observed is the retailers of Traditional art market & ubud art market in Bali. Determination of the sample in this study using the purposive sampling method will be used for the 85 targeted respondents, which will be conducted during December 2023. The data will be analyzed using PLS-SEM technique with smartPLS3 software.
The practical implication of the study is to provide regulators, technology providers, and service providers with thorough overview of appropriate strategies response and implementation to improve the technology infrastructure for digital connectivity in Bali as a potential tourism industry in Indonesia.