Resistance To Qris Adoption Among Msmes In Purwokerto: An Innovation Resistance Theory Perspective
Abstract
This study analyzes factors influencing resistance to QRIS adoption among MSMEs in Purwokerto using the Innovation Resistance Theory (IRT). Despite government efforts to promote digital payments, QRIS adoption remains low, attributed to five barriers: usage, value, risk, tradition, and image. A quantitative approach was employed, with data collected from 133 MSME actors via questionnaires and analyzed using multiple linear regression. Results show that usage, value, and image barriers negatively affect adoption intention, while risk and tradition barriers surprisingly have positive effects, indicating MSMEs’ growing openness to technology despite habitual constraints. The study suggests that resistance stems from psychological and habitual factors rather than technical flaws. These findings provide insights for policymakers and MSMEs to design targeted strategies, such as enhancing education and incentives, to accelerate QRIS adoption.References
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Hameed, S. S., Alalwan, A. A., & Dwivedi, Y. K. (2024). Examining The Impact of Innovation Resistance on Mobile Payment Adoption. Journal Of Retailing and Consumer Services, 77, 102092.
Hasyim, F., Janah, M., Sari, L. E. V. P. (2023). Analisis Faktor Yang Mempengaruhi Keputusan Penggunaan QRIS Pada Generasi Milenial Kabupaten Sukoharjo. QORANOMIC: Jurnal Ekonomi Dan Bisnis Islam, 2(2).
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Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). An Innovation Resistance Theory Perspective on Mobile Payment Solutions. Journal Of Retailing and Consumer Services, 55, 102059. Https://Doi.Org/10.1016/J.Jretconser.2020.102059
Kautish, P., Siddiqui, M., Siddiqui, A., Sharma, V., & Alshibani, S. M. (2023). Technology-Enabled Cure and Care: An Application Of Innovation Resistance Theory to Telemedicine Apps in An Emerging Market Context. Technological Forecasting and Social Change, 192(C). Https://Ideas.Repec.Org//A/Eee/Tefoso/V192y2023ics0040162523002433.Html
Kementerian Keuangan Republik Indonesia – Direktorat Jenderal Perbendaharaan. (2024) Petunjuk pembayaran billing menggunakan QRIS pada portal MPN. Available at: https://www.djpbn.kemenkeu.go.id (Accessed: 3 July 2025)
Kim, K-S. (2022). Methodology Of Non-Probability Sampling In Survey Research. American Journal of Biomedical Science & Research, 15(6), [DOI].
Mahmud. (2023). What Drives Managers Towards Algorithm Aversion And How To Overcome It? Mitigating The Impact of Innovation Resistance Through Technology Readiness—Sciencedirect. Https://Www.Sciencedirect.Com/Science/Article/Pii/S0040162523003268
Mani, Z., & Chouk, I. (2018). Consumer Resistance to Innovation in Services: Challenges and Barriers in The Internet of Things Era. Journal Of Product Innovation Management, 35(5), 780–807, [DOI]. Metrojateng.Com. (2024, Agustus 15). Target Terlampaui, Pengguna QRIS Masih Didominasi Masyarakat Banyumas. Diakses Pada 24 Desember 2024, Dari Https://Metrojateng.Com/2024/08/15/Target-Terlampaui-Pengguna-QrisMasih-Didominasi-Masyarakat-----Banyumas/ Muharna, H. J., Wijoyo, S. H., Dan Maghfiroh, I. S. E. (2024). Analisis FaktorFaktor Yang Mempengaruhi Niat Penggunaan Quick Response Code Indonesian Standard (QRIS) Pada Pelaku UMKM Kuliner Di Kota Malang. Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer.
Musyaffi. (2022). Resistance Of Traditional SMEs in Using Digital Payments: Development of Innovation Resistance Theory—Musyaffi—2022—Human Behavior and Emerging Technologies—Wiley Online Library. Https://Onlinelibrary.Wiley.Com/Doi/10.1155/2022/7538042
Putra, F. I. F. S., Haziroh, A. L., Budiantoro, R. A., Lestari, S. P., Dan Arsanda, T. D. (2023). AMOBA: Innovation Barriers of The Millennial Generation. Asian Management and Business Review, 3(1): 1-13
Pusat Data Ekonomi Dan Bisnis Indonesia | Databoks. (N.D.). Https://Databoks.Katadata.Co.Id/
Ram, S., & Sheth, J. N. (1989). Consumer Resistance to Innovations: The Marketing Problem and Its Solutions. Journal Of Consumer Marketing, 6(2), 5–14. Https://Doi.Org/10.1108/Eum0000000002542
Ronald & Amelia. (2022). Perspective From E-Service Quality Barriers: Important Factors to Avoid To Increase Actual Usage of Transportation Apps In Indonesia. Journal Of Economics, Finance and Management Studies, 5(3): 800-808, [DOI].
Rosnidah, I., Muna, A., Musyaffi, A. M., Dan Siregar, N. F. (2019). Critical Factor of Mobile Payment Acceptance in Millenial Generation: Study on The UTAUT Model. International Symposium on Social Sciences, Education, And Humanities (ISSEH 2018), 306: 123-127
Sadiq, M., Khan, K., & Jan, A. (2020). Tradition And Resistance: The Role of Cultural Barriers in The Adoption of Digital Payments. Asian Journal of Business Research, 10(1), 55–65.
Sadiq, M., Adil., Dan Paul, J. (2021). An Innovation Resistance Theory Perspective on Purchase of Eco-Friendly Cosmetics, Journal of Retailing and Consumer Services
Shafira, A., & Mayangsari, L. (2020). A Study Towards Barriers of Organic Personal Care Consumption Among Indonesian Young Woman. Malaysian Journal Of Social Sciences And Humanities (Mjssh), 5(8), Article 8. Https://Doi.Org/10.47405/Mjssh.V5i8.463
Slamet, R., & Wahyuningsih, S. (2022). Validitas Dan Reliabilitas Terhadap Instrumen Kepuasan Kerja. Aliansi : Jurnal Manajemen Dan Bisnis, 17(2). Https://Doi.Org/10.46975/Aliansi.V17i2.428
Softina, R. A., Amin, F. M., & Wahyudi, N. (2022). Analisis Faktor Yang Mempengaruhi Innovation Resistance Dan Intention To Use Terhadap Penerapan Pembayaran Non Tunai. J. Sist. Inf. Bisnis, 12(1), 26–35.
Syah, H. D., Dongoran, R. F., Nugrahadi, W. E., Dan Aditia, R. (2022). Understanding The Technology Acceptance Model in The QRIS Usage: Evidence from SMEs in Indonesia. International Journal of Research in Business and Social Science (2147- 4478), 11(6), 12–19, [DOI].
Widyawan, B., Barlian, A., Haryanto, J., & Bayhaqi, M. H. (2024). Exploring The Benefits and Barriers of Qris Adoption Among Micro Businesses in North Bogor. Journal Of Accounting and Finance Management, 5(4), 636–643. Https://Doi.Org/10.38035/Jafm.V5i4.740
Yu, C., Lee, H., & Chang, L. (2016). Resistance To Adopting Mobile Banking: A Comparison Between Early Adopters and Non-Adopters. Service Business, 10(4), 771–789, [DOI].
Zahriyah, A., Suprianik, Parmono, A., Mustofa. (2021). Ekonometrika. Mandala Press
Zhihong, Wang, H., & Li. (2016). Factors Influencing Usage of Third Party Mobile Payment Services In China: An Empirical Study
Chen, P. T. Dan Kuo, S. C. (2017). Innovation Resistance And Strategic Implications Of Enterprise Social Media Websites In Taiwan Through Knowledge Sharing Perspective. Technological Forecasting And Social Change, 118, 55–69.
Creswell, J. W. Dan Creswell, J. D. (2017). Research Design: Qualitative, Quantitative, And Mixed Methods Approaches. SAGE.
Data Dan Informasi Kabupaten Banyumas 2024. (N.D.).
Desti, W. (2022). Efektivitas Dan Efisiensi Sistem Pembayaran Non Tunai Quick Response Indonesian Standard (Qris) Dalam Mempengaruhi Inklusi Keuangan Menurut Perspektif Ekonomi Islam (Studi Pada Mahasiswa Universitas Islam Negeri Raden Intan Lampung) [Diploma, Uin Raden Intan Lampung]. Https://Repository.Radenintan.Ac.Id/18978/
Dorong Umkm Naik Kelas Dan Go Export, Pemerintah Siapkan Ekosistem Pembiayaan Yang Terintegrasi—Kementerian Koordinator Bidang Perekonomian Republik Indonesia. (N.D.). Retrieved June 5, 2025, From Https://Www.Ekon.Go.Id/Publikasi/Detail/5318/Dorong-Umkm-Naik-Kelas-Dan-Go-Export-Pemerintah-Siapkan-Ekosistem-Pembiayaan-Yang-Terintegrasi#
Gupta, A. (2017). Understanding Determinants and Barriers of Mobile Shopping Adoption Using Behavioral Reasoning Theory. Researchgate. Https://Www.Researchgate.Net/Publication/312456607_Understanding_Determinants_And_Barriers_Of_Mobile_Shopping_Adoption_Using_Behavioral_Reasoning_Theory
Hair, J. F. Jr., Hult, G. T. M., Christian M. Ringle, & Sarstedt Marko. (2025, May 7). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Sage Publications Ltd. Https://Uk.Sagepub.Com/En-Gb/Eur/A-Primer-On-Partial-Least-Squares-Structural-Equation-Modeling-Pls-Sem/Book270548
Hameed, I., Hameed, I., Akram, U., Arain, G. A., & Eid, R. (2024). Exploring Resistance Barriers in Travelers’ Word of Mouth for Mobile Payment Systems: Mediating Effects of Trust and Usage Intention. Technological Forecasting and Social Change, 209(C). Https://Ideas.Repec.Org//A/Eee/Tefoso/V209y2024ics0040162524005699.Html
Hameed, S. S., Alalwan, A. A., & Dwivedi, Y. K. (2024). Examining The Impact of Innovation Resistance on Mobile Payment Adoption. Journal Of Retailing and Consumer Services, 77, 102092.
Hasyim, F., Janah, M., Sari, L. E. V. P. (2023). Analisis Faktor Yang Mempengaruhi Keputusan Penggunaan QRIS Pada Generasi Milenial Kabupaten Sukoharjo. QORANOMIC: Jurnal Ekonomi Dan Bisnis Islam, 2(2).
Haryanti, P. (2024). Hubungan Penggunaan Qris Dengan Pengembangan Ekonomi Digital Umkm Di Kmgd Jombang | Jurnal Ilmiah Manajemen Dan Bisnis (Jimbis). Https://Ejournal.Stiesia.Ac.Id/Jimbis/Article/View/6170
Jakarta Globe. (2024). US Slams Indonesia’s QRIS Policy As Trade Barrier, BI Open To Cooperation. Diakses Dari Https://Jakartaglobe.Id
Joachim, V., Spieth, P., & Heidenreich, S. (2018). Active Innovation Resistance: An Empirical Study On Functional And Psychological Barriers to Innovation Adoption In Different Contexts. Industrial Marketing Management, 71, 95–107. Https://Doi.Org/10.1016/J.Indmarman.2017.12.011
Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). An Innovation Resistance Theory Perspective on Mobile Payment Solutions. Journal Of Retailing and Consumer Services, 55, 102059. Https://Doi.Org/10.1016/J.Jretconser.2020.102059
Kautish, P., Siddiqui, M., Siddiqui, A., Sharma, V., & Alshibani, S. M. (2023). Technology-Enabled Cure and Care: An Application Of Innovation Resistance Theory to Telemedicine Apps in An Emerging Market Context. Technological Forecasting and Social Change, 192(C). Https://Ideas.Repec.Org//A/Eee/Tefoso/V192y2023ics0040162523002433.Html
Kementerian Keuangan Republik Indonesia – Direktorat Jenderal Perbendaharaan. (2024) Petunjuk pembayaran billing menggunakan QRIS pada portal MPN. Available at: https://www.djpbn.kemenkeu.go.id (Accessed: 3 July 2025)
Kim, K-S. (2022). Methodology Of Non-Probability Sampling In Survey Research. American Journal of Biomedical Science & Research, 15(6), [DOI].
Mahmud. (2023). What Drives Managers Towards Algorithm Aversion And How To Overcome It? Mitigating The Impact of Innovation Resistance Through Technology Readiness—Sciencedirect. Https://Www.Sciencedirect.Com/Science/Article/Pii/S0040162523003268
Mani, Z., & Chouk, I. (2018). Consumer Resistance to Innovation in Services: Challenges and Barriers in The Internet of Things Era. Journal Of Product Innovation Management, 35(5), 780–807, [DOI]. Metrojateng.Com. (2024, Agustus 15). Target Terlampaui, Pengguna QRIS Masih Didominasi Masyarakat Banyumas. Diakses Pada 24 Desember 2024, Dari Https://Metrojateng.Com/2024/08/15/Target-Terlampaui-Pengguna-QrisMasih-Didominasi-Masyarakat-----Banyumas/ Muharna, H. J., Wijoyo, S. H., Dan Maghfiroh, I. S. E. (2024). Analisis FaktorFaktor Yang Mempengaruhi Niat Penggunaan Quick Response Code Indonesian Standard (QRIS) Pada Pelaku UMKM Kuliner Di Kota Malang. Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer.
Musyaffi. (2022). Resistance Of Traditional SMEs in Using Digital Payments: Development of Innovation Resistance Theory—Musyaffi—2022—Human Behavior and Emerging Technologies—Wiley Online Library. Https://Onlinelibrary.Wiley.Com/Doi/10.1155/2022/7538042
Putra, F. I. F. S., Haziroh, A. L., Budiantoro, R. A., Lestari, S. P., Dan Arsanda, T. D. (2023). AMOBA: Innovation Barriers of The Millennial Generation. Asian Management and Business Review, 3(1): 1-13
Pusat Data Ekonomi Dan Bisnis Indonesia | Databoks. (N.D.). Https://Databoks.Katadata.Co.Id/
Ram, S., & Sheth, J. N. (1989). Consumer Resistance to Innovations: The Marketing Problem and Its Solutions. Journal Of Consumer Marketing, 6(2), 5–14. Https://Doi.Org/10.1108/Eum0000000002542
Ronald & Amelia. (2022). Perspective From E-Service Quality Barriers: Important Factors to Avoid To Increase Actual Usage of Transportation Apps In Indonesia. Journal Of Economics, Finance and Management Studies, 5(3): 800-808, [DOI].
Rosnidah, I., Muna, A., Musyaffi, A. M., Dan Siregar, N. F. (2019). Critical Factor of Mobile Payment Acceptance in Millenial Generation: Study on The UTAUT Model. International Symposium on Social Sciences, Education, And Humanities (ISSEH 2018), 306: 123-127
Sadiq, M., Khan, K., & Jan, A. (2020). Tradition And Resistance: The Role of Cultural Barriers in The Adoption of Digital Payments. Asian Journal of Business Research, 10(1), 55–65.
Sadiq, M., Adil., Dan Paul, J. (2021). An Innovation Resistance Theory Perspective on Purchase of Eco-Friendly Cosmetics, Journal of Retailing and Consumer Services
Shafira, A., & Mayangsari, L. (2020). A Study Towards Barriers of Organic Personal Care Consumption Among Indonesian Young Woman. Malaysian Journal Of Social Sciences And Humanities (Mjssh), 5(8), Article 8. Https://Doi.Org/10.47405/Mjssh.V5i8.463
Slamet, R., & Wahyuningsih, S. (2022). Validitas Dan Reliabilitas Terhadap Instrumen Kepuasan Kerja. Aliansi : Jurnal Manajemen Dan Bisnis, 17(2). Https://Doi.Org/10.46975/Aliansi.V17i2.428
Softina, R. A., Amin, F. M., & Wahyudi, N. (2022). Analisis Faktor Yang Mempengaruhi Innovation Resistance Dan Intention To Use Terhadap Penerapan Pembayaran Non Tunai. J. Sist. Inf. Bisnis, 12(1), 26–35.
Syah, H. D., Dongoran, R. F., Nugrahadi, W. E., Dan Aditia, R. (2022). Understanding The Technology Acceptance Model in The QRIS Usage: Evidence from SMEs in Indonesia. International Journal of Research in Business and Social Science (2147- 4478), 11(6), 12–19, [DOI].
Widyawan, B., Barlian, A., Haryanto, J., & Bayhaqi, M. H. (2024). Exploring The Benefits and Barriers of Qris Adoption Among Micro Businesses in North Bogor. Journal Of Accounting and Finance Management, 5(4), 636–643. Https://Doi.Org/10.38035/Jafm.V5i4.740
Yu, C., Lee, H., & Chang, L. (2016). Resistance To Adopting Mobile Banking: A Comparison Between Early Adopters and Non-Adopters. Service Business, 10(4), 771–789, [DOI].
Zahriyah, A., Suprianik, Parmono, A., Mustofa. (2021). Ekonometrika. Mandala Press
Zhihong, Wang, H., & Li. (2016). Factors Influencing Usage of Third Party Mobile Payment Services In China: An Empirical Study
Published
2025-12-19
How to Cite
Kardiana, N. S., Susanto, I., & Hidayat, C. M. (2025). Resistance To Qris Adoption Among Msmes In Purwokerto: An Innovation Resistance Theory Perspective. Kontigensi : Jurnal Ilmiah Manajemen, 13(2), 835-848. https://doi.org/10.56457/jimk.v13i2.795
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