July 31, 2025

Social Construction of Traditional MSME Actors Towards QRIS Digital Payment Adoption in Surabaya

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Qualitative analysis reveals diverse MSME perspectives on digital payment adoption, highlighting social and cultural influences.

Cash payments remain dominant, with traditional MSME actors favoring familiarity and perceived safety.
Low digital literacy levels hinder adoption, compounded by fears of technology complexity and security.
Qualitative analysis using social construction theory explores internalization and externalization processes.
Community trust is growing, driven by positive experiences with digital payments among MSME actors.

Tedjomurti et al. (2025) studied this question.

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