Readiness for Digital Payment Transformation among MSMEs in the Bangka Belitung Islands Province

DOI

10.2991/978-94-6463-974-2_27How to use a DOI?

Keywords

QRIS Tap; Digital Readiness; Financial Inclusion; Contactless Payment (NFC); and TAM-TRI-TOE Framework

Abstract

Digital payment transformation has become a key driver of Indonesia’s financial inclusion agenda, particularly in peripheral island economies where connectivity and digital literacy remain uneven. This study examines the readiness of micro, small, and medium enterprises (MSMEs) in the Bangka Belitung Islands to adopt the Quick Response Code Indonesian Standard (QRIS) and its NFC-based contactless feature, QRIS Tap. Using a desk-based synthesis of official data from Bank Indonesia, BPS, Katadata, and provincial sources, the study evaluates three dimensions of readiness, technological and infrastructural conditions, digital and financial literacy, and institutional and policy support, within an integrated TAM–TRI–TOE framework. Results indicate that MSMEs in Bangka Belitung exhibit moderate readiness: QRIS (scan) adoption is extensive, but QRIS Tap implementation remains limited due to uneven access to NFC-enabled devices, connectivity gaps, and emerging feature-specific literacy. Institutional support is strong, driven by Bank Indonesia’s QRIS 2.0 roadmap and local Smart City initiatives, yet localized interventions are needed to translate policy momentum into contactless usage. The study contributes to digital-payment literature by situating MSME readiness within an island-based ecosystem. It highlights the need for ecosystemic coordination, combining policy, technology, and capacity-building, to achieve inclusive digital transformation across Indonesia’s archipelagic regions.

Copyright

© 2025 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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TY  - CONF
AU  - Adi Setiawan
AU  - Arina Nasyita
AU  - Nizwan Zukhri
AU  - Vebtasvili Vebtasvili
PY  - 2025
DA  - 2025/12/25
TI  - Readiness for Digital Payment Transformation among MSMEs in the Bangka Belitung Islands Province
BT  - Proceedings of the 2nd International Conference of Economics, Management, Accounting, and Business Digital (ICEMAB 2025)
PB  - Atlantis Press
SP  - 187
EP  - 194
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-974-2_27
DO  - 10.2991/978-94-6463-974-2_27
ID  - Setiawan2025
ER  -