• Journal of Distribution Science
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• v.21 no.12
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• pp.59-69
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• 2023

Purpose: Consumers can experience better service for distribution of products with payment technology such as QRIS (Quick Response Code Indonesian Standard) compared to conventional purchase methods. This research aims to determine the experience of QRIS service users in Indonesia. Perceived Usefulness, Ease of Use, and Perceived Security were independent factors. Behavioral Intention to Use is the dependent variable. Furthermore, Word of Mouth Attitude is an intervening variable. Research Design, Data, and Methodology: Involving active QRIS users in a survey-based quantitative study in Indonesia. A survey sample of 400 people was taken from data records of 30.87 million QRIS users in Indonesia. Data were analyzed using SEM-PLS. Results: Show that Perceived Usefulness and Perceived Ease of Use significantly impact Attitudes Word of Mouth, and Behavioral Intention to Use. This research also found that Behavioral Intention to Use does not significantly impact Perceived Security. Conclusion: QRIS, as a revolutionary innovation, offers faster payments than previous methods, with a payment time of no more than one minute. QRIS is seen as valuable, simple, and safe, disseminating information to the public and continuing to use QRIS. The implications of this research are very significant in accelerating the flow of distribution of goods and services and facilitating transactions.

• The Journal of Korea CHUNA Manual Medicine
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• v.1 no.1
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• pp.91-102
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• 2000

To prove the effect of Yukmijihwngwon(YMJHW) and Taeyoungjeon(TYJ) extract on the Meridian of Human body and Active oxygen experimentally, ORS & Free Radical of extract and precipitate of YMJHW and TYJ was measured. The results were summarized as follows; 1. TYJ extract, as a result of measuring QRIS, had a considerable effect on the function of pituitary gland, the 4th cervical vertebra and the 1 st lumbar vertebra. 2. TYJ precipitate, as a result of measuring QRIS, had a considerable effect on the function of liver, uterus, and vertebra. 3. YMJHW extract, as a result of measuring QRIS, had a considerable effect on the function of lung, adrenalin gland, bladder, prostate gland, ovaria, the 2nd cervical vertebra, the 3rd cervical vertebra, the 5th cervical vertebra, the 6th cervical vertebra, the 2nd lumbar vertebra, the 4th lumbar vertebra and the 5th lumbar vertebra. 4. YMJHW precipitate, as a result of measuring QRIS, had a considerable effect on the function of spleen, lung, kidney, adrenal gland, bladder, ovaria, the 2nd cervical vertebra, the 6th cervical vertebra, the 7th cervical vertebra, the 2nd lumbar vertebra, the 5th lumbar vertebra, sacrum, and knee joint. 5. As a result of measuring Free Radical, the level of TYJ is higher than YMJHW. It is thiut that's because of Duchung and roasted Gamcho. 6. As an order of QRIS levels, YMJHW precipitate is the highest, YMJHW extract is next, TYJ extract and TYJ precipitate. These results suggested that TYJ and YMJHW be usefully applied for suppressing of abnormal Meridian and noxious oxygen, preventing and curing all the disease.

• The Journal of Korea CHUNA Manual Medicine
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• v.1 no.1
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• pp.83-90
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• 2000

Oryeong-San, Pangpungtongseong-San, Rangkyeoksanwha-Tang, Sipeemikwanjoong -Tang and Taeumjoui-Tang are not only examined using the code which are related to overweight in the QRIS but are also investigated the level of Free Radical using the Free Radical Measurement after steeping those 5 prescriptions in water. The results are as follows: 1. We indicated in the study of QRIS that 5 kinds of medicines which used most frequently In the treatment of the obesity appeared to affect the Immune system, spleen, kidneys, pancreas, the fatigue toxicity, TSH, and the metabolic disability but did not influence high on the contents of overweight and those of fatty cell, as well. in addition, there were no significant differences between the prescriptions as regards testosterone and progesterone. 2. In the Free Radical Measurement, Rangkyeoksanwha-Tang evaluated significantly high level of Free Radical, whereas others appear to have the similar level of Free Radical. These findings suggest that the treatment of the obesity affects particular body parts with respect to the control of overweight, although those medicines are not related directly to the areas(such as fatty cell Code), it is possible that they influence on the cure for the obesity. Furthermore, they indicate that with soaking prescription, Free Radical is not produced as much as we expected.

• Journal of Distribution Science
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• v.20 no.1
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• pp.1-11
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• 2022

Purpose: Increasing advancements in the technology industry are forcing people to become more accustomed to digital financial transaction activities. The need for fast and secure payment mechanisms has birthing new idea to digital financial transaction services. Along with increasing access to technology in digital payments, new service is developed in the form of digital wallets as the successor for electronic money. Research design, data and methodology: This research aims to find out whether using QR code as digital payment tool can build customer loyalty in consumers, especially to measure the factors of satisfaction, trust and commitment of customers to do payments with QR Codes. The QR code in this study is refer to the Quick Response Code Indonesian Standard (QRIS) which was officially implemented by Bank Indonesia starting on January 1, 2020 as a means of payment for digital transactions nationally. The research method uses a quantitative approach by way of surveying questionnaires using Likert scale of 100 samples. Results: The hypothesis analysis proved that the variables of satisfaction, trust and commitment together have positive and significant influences on customer loyalty. Conclusion: This research found that there are high interest in Millennials to do transaction using QRIS because it is deemed to be more easy, quick and safe. If a customer achieves a level of loyalty in the usage of digital transaction using QRIS then cashless society lifestyle can be considered successful and can be used in the future.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.391-401
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• 2021

Technological developments facilitate payment transactions. In 2020, Bank Indonesia issued a regulation that supports QR payments using the Indonesian Standard Quick Response Code (QRIS). PT ABC is one of the banks that launched a QR payment feature on mobile banking with QRIS standards to make it easier for customers to make payment transactions at various merchants. In its implementation, the interest of QR payment users still tends to be small, so an analysis of the interests of QR payment users is carried out. The purpose of this study is to analyze the factors that influence user interest by using a modified UTAUT model. The UTAUT model was modified by adding variables to perceived trust, perceived risk, perceived regulatory support, and promotional benefits. The population taken is the company's customers in the DKI Jakarta area and it takes 403 samples for this case study. The results of empirical analysis show that 8 out of 12 hypotheses are considered proven where business expectations, social influence, perceived trust, perceived risk, perceptions of regulatory support, promotion benefits, age-moderated performance expectations, and age-moderate effort expectations have a significant effect on behavioral intentions, while performance expectations, facilitation conditions, business expectations are moderated by experience and social influence.

• Asia pacific journal of information systems
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• v.32 no.3
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• pp.630-655
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• 2022

This paper examines the integrated QR code payment service (QRIS) adoption by retailers in Indonesia. Indonesia started its cashless journey in 2017 by using electric money in card form. As the country keeps developing, Indonesia has planned to integrate its payment towards a cross-border payment using QR codes by 2025 in the South East Asian region. Facing government vision, MSMEs that act as the significant economy wheel in Indonesia was required to be prepared to face the multi-cultural, multi-currency, and the new tech innovation for doing transactions. However, as a developing country, Indonesia faced significant problems with its infrastructure, which made it hard for merchants to access digital payment. As infrastructure was a common problem for developing countries, Indonesia also faced financial inclusion, lack of digital knowledge, a high amount of cash use, and socialization that made low digital payment penetration. Therefore, as there was a need to increase digital payment penetration for ASEAN integrated payment, this study found that merchant compatibility, facilitating conditions, trust, and relative advantages are drivers for MSMEs using this payment method. Further, this research provides propositions for banks, financial institutions, and governments to develop and evolve towards a cashless ecosystem, especially for a country lacking infrastructure.

• Journal of Distribution Science
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• v.22 no.5
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• pp.39-57
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• 2024

Purpose: Various policies continue to be strengthened to develop Micro, Small and Medium Enterprises (MSMEs), which have a strategic role in the economy through the pillars of corporatization, capacity and financing to support strong and inclusive economic growth. Efforts to transform MSMEs marketing strategies are undertaken through eco-friendly digitalization to increase resilience and more productive and innovative capacity. Research design, data and methodology: This research is an exploratory qualitative approach taken to investigate the transformation of eco-friendly marketing strategies for MSMEs to increase competitiveness at the global level. The samples obtained were 425 MSMEs assisted by the DKI Jakarta, Bali, Java, Borneo, and Sumatera. The data collection technique used non-probability sampling (snowball sampling). Data is analyzed through collection, reduction, analysis, validity testing, presentation and conclusion. Results: This research shows the transformation of eco-friendly digital-based MSME marketing strategies occurred through four stages, namely production and institutional activities, expanding market share, digitalization and financing, and export market access. Conclusions: Eco-friendly digital transformation allows MSMEs competencies to be refined to improve business processes and business competitiveness at the international level. The contribution of this marketing strategy transformation is expanding MSMEs access to financial institutions (fintech), marketplaces, and QRIS (QR Code Indonesian Standard) digital payments.