Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)

10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)

📍Makassar, Indonesia🗓️ 6-8 October 2025
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Financial Diplomacy through QRIS: Mapping UMKM Perspectives on Financial Inclusion and Digital Sovereignty

Authors
Feivy Selvida1, *
1Hasanuddin University, Makassar, Indonesia
*Corresponding author. Email: selvidaf25a@student.unhas.ac.id
Corresponding Author
Feivy Selvida
Available Online 20 June 2026.
DOI
10.2991/978-94-6239-709-5_110How to use a DOI?
Keywords
QRIS; Financial Diplomacy; Financial Inclusion; Digital Sovereignty; UMKM
Abstract

The rapid growth of digital payment systems has positioned QRIS (Quick Response Code Indonesian Standard) as a strategic instrument of financial diplomacy in Indonesia. This study examines the role of QRIS in promoting financial inclusion and digital sovereignty from the perspective of micro, small, and medium enterprises (UMKM). The research applied a Systematic Literature Review (SLR) using the PRISMA 2020 protocol. A total of 356 records were identified through database searching and additional sources. After removing 76 duplicates, 280 records remained for screening, of which 200 were excluded for irrelevance. Eighty full-text articles were assessed for eligibility, and 52 were excluded due to insufficient focus on QRIS, UMKM, or digital sovereignty. Finally, 28 articles were included in the qualitative synthesis. The findings reveal that QRIS significantly enhances financial inclusion by improving accessibility, efficiency, and transparency in small business transactions, while also contributing to digital sovereignty by reducing reliance on foreign-dominated payment infrastructures. However, challenges remain, particularly regarding digital literacy, infrastructure gaps, and regulatory adjustments. This study advances the discourse on financial diplomacy by linking digital innovation with national economic strategy, offering practical insights for policymakers, regulators, and UMKM stakeholders.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
20 June 2026
ISBN
978-94-6239-709-5
ISSN
2352-5428
DOI
10.2991/978-94-6239-709-5_110How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Feivy Selvida
PY  - 2026
DA  - 2026/06/20
TI  - Financial Diplomacy through QRIS: Mapping UMKM Perspectives on Financial Inclusion and Digital Sovereignty
BT  - Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)
PB  - Atlantis Press
SP  - 1575
EP  - 1586
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-709-5_110
DO  - 10.2991/978-94-6239-709-5_110
ID  - Selvida2026
ER  -