The Effect of QRIS Usage And Transaction Convenience on Increasing MSME Sales on Surabaya Through Transaction Volume as an Intervening Variable

Abstract

This research aims to analyze the influence of Quick Response Code Indonesian Standard (QRIS) usage and transaction convenience on the sales increase of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya, with transaction volume as an intervening variable. Along with the acceleration of digital transformation driven by Bank Indonesia policies, QRIS has become an important instrument in digital financial inclusion. Research data were collected through questionnaires distributed to MSME actors in Surabaya who had adopted QRIS. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with SmartPLS 4. The results show that QRIS usage and transaction convenience have a positive and significant effect on transaction volume. In addition, transaction volume significantly mediates the relationship between QRIS usage, transaction convenience, and the increase in MSME sales. These findings indicate that payment digitalization not only simplifies transaction processes but also improves business financial performance through higher transaction intensity.