Digital Financial Literacy and QRIS Adoption: A Literature Review on Perceptions of Convenience, Security, Benefits, and Trust

Abstract

This study aims to examine the relationship between digital financial literacy and the adoption of the Indonesian Standard Quick Response Code (QRIS), focusing on perceptions of ease of use, security, benefits, and user trust. This study used a qualitative approach with the Systematic Literature Review (SLR) method on 20 relevant scientific articles published in the last five years. The data were analyzed descriptively and qualitatively through a process of selection, grouping, and synthesis of research findings based on the main variables studied. The results of the study show that digital financial literacy plays an important role in shaping users' positive perceptions of QRIS. The perception of ease of use is a dominant factor in encouraging the adoption of QRIS, while perceptions of security and trust serve as the foundation for decisions on usage. In addition, perceptions of benefits reinforce the sustainability of QRIS usage, especially among MSME players. This study confirms that QRIS adoption is not only influenced by technological aspects, but also by users' level of digital financial literacy. These findings have implications for strengthening digital financial literacy education to support financial inclusion in Indonesia.