Dyah Cahyasari, Hamidah, Umi Widyastuti
There is an urgency for research on measuring the perceptions of micro-sized enterprises regarding the creation of a healthy FinTech ecosystem to support future business sustainability. The measurement analyzes social influence, trust, facilitating conditions, habits, financial literacy, intentions to continue Quick Response Code Indonesian Standard (QRIS) FinTech usage, and its impact on the sustainability of micro-sized enterprises sustainability. This research is expected to contribute by (a) providing an overview of the determinants that influence the actual usage behavior of the Quick Response Code Indonesian Standard (QRIS); (b) providing an overview of the impact of QRIS usage behavior on the sustainability of micro-sized enterprises; and (c) determining the most effective strategy to provide sustainable business solutions. The sampling technique utilized for this research included purposive random sampling with data collected from 240 micro-entrepreneurs spread across Java and Sumatra. These two islands have the largest number of QRIS users. Primary data were collected through surveys in several micro-entrepreneur communities. The research results show that facilitating conditions, habits, trust, and intentions to continue using QRIS, have a positive and significant effect on usage behavior. These determining factors of usage behavior will impact the sustainability of the business in the future. Social influence and digital financial literacy were not found to influence usage behavior. © 2025, ABAC Journal. All Rights Reserved.
State University of Jakarta, Indonesia; State University of Jakarta, Indonesia; State University of Jakarta, Indonesia
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