Analysis of the use of QRIS as financial technology among millennials: a case study at Warkop Kita 2 and Warkop Agam
Keywords:
Financial Technology, Millennial Generation, Quick Response Code Indonesia Standard (QRIS)Abstract
This study specifically analyzes the adoption of QRIS as financial technology among millennials at Warkop Kita 2 and Warkop Agam Multatuli Branch in Medan City, involving a total of ten informants consisting of two business actors (merchants) and eight millennial users who actively use QRIS in daily transactions. Using a descriptive qualitative approach through interviews, observations, and documentation, the data were analyzed using the Miles and Huberman interactive model, which includes data reduction, data display, and conclusion drawing/verification. The study findings reveal that the adoption rate of QRIS among millennials is relatively high, driven by practicality, transaction speed, ease of use, and perceived security, which aligns with the digital lifestyle of millennials and supports the development of a cashless culture in urban areas. However, challenges such as limited digital literacy among some users, unstable internet connectivity, and insufficient educational socialization efforts for both consumers and merchants hinder optimal utilization. This research contributes empirical evidence from real transaction settings in small business environments, highlights behavioral and contextual factors influencing fintech adoption, and provides policy recommendations related to improving digital literacy, merchant training, and infrastructure strengthening to support a more inclusive digital economic transformation in Indonesia.
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