Adoption of QRIS Digital Payment System in Remote and Underdeveloped Regions: Evidence from Eastern Indonesia’s 3T Area

Abstract

The successful adoption of QRIS across all regions of Indonesia, including 3T areas, is a key prerequisite for achieving widespread financial inclusion. However, limited infrastructure and low trust in technology remain the biggest obstacles in 3T areas. This study aims to describe the level of adoption of QRIS (Quick Response Code Indonesia Standard) payment system among the community in Wamena City, Jayawijaya Regency, Papua Highlands Province, Indonesia, classified as a 3T (Underdeveloped, Frontier, and Remote) area. A pure descriptive quantitative method was used with non-probability and probability sampling techniques involving 80 active QRIS users as respondents. The QRIS adoption variable was measured through four indicators—usefulness, ease of use, convenience, and security—using a Likert scale. The results show an average adoption score of 269.6 (very agreeable). The usefulness indicator obtained the highest score (286.2), followed by security (283.6), ease of use (273), and convenience (235.6). These findings indicate that the Wamena community has adopted QRIS with a positive perception despite the area's limited technology infrastructure. Convenience remains an area needing improvement through enhanced internet connectivity.