Pengambilan Keputusan Adopsi Pembayaran Digital pada UMKM: Studi Kasus Toko Bibit Trenggalek
DOI:
https://doi.org/10.69533/jurilma.volume3number1.561Keywords:
adopsi pembayaran digital, pengambilan keputusan, QRIS, transformasi digital, UMKMAbstract
Perkembangan pembayaran digital mendorong UMKM menyesuaikan proses transaksi dan pelayanan, tetapi sebagian usaha mikro tetap mempertahankan pembayaran tunai. Penelitian terdahulu lebih banyak menguji niat penggunaan dan faktor penerimaan teknologi, sedangkan kajian mengenai pengambilan keputusan manajerial untuk menunda adopsi pembayaran digital pada usaha mikro pedesaan masih terbatas. Penelitian ini bertujuan menganalisis alasan Toko Bibit di Kabupaten Trenggalek mempertahankan pembayaran tunai, kesiapan internal usaha, preferensi konsumen, dan peluang penerapan Quick Response Code Indonesian Standard (QRIS). Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus. Informan terdiri atas satu pemilik, dua karyawan, dan lima konsumen yang dipilih secara purposif. Data dikumpulkan melalui wawancara mendalam semiterstruktur, observasi, dan dokumentasi, kemudian dianalisis melalui kondensasi data, pengodean, pengelompokan tema, penyajian matriks, serta penarikan dan verifikasi kesimpulan. Hasil penelitian menunjukkan bahwa pembayaran tunai dipertahankan karena manfaat QRIS belum dipersepsikan mendesak, pemahaman prosedural masih terbatas, dan terdapat kekhawatiran terhadap jaringan serta kesalahan verifikasi transaksi. Preferensi konsumen terbagi antara pembayaran digital yang praktis dan pembayaran tunai yang telah menjadi kebiasaan. Kebaruan penelitian terletak pada pengintegrasian perspektif pemilik, karyawan, dan konsumen untuk menjelaskan keputusan adopsi pada tingkat usaha. Secara praktis, penelitian merekomendasikan strategi adopsi bertahap melalui pembayaran hibrida, pelatihan karyawan, penyusunan prosedur verifikasi, dan evaluasi transaksi sebelum implementasi diperluas.
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