The Influence of Payment System with Quick Response Code Indonesia Standard [QRIS] Based on Technology Accepted Model [TAM] Toward MSMEs Performance

The study aims to see the effect of QR code payment adoption on the financial performance of MSMEs in Bekasi City, as well as to identify factors and indicators that influence MSMEs in adopting QR Codes. The research method is quantitative with Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis techniques. The results of the study show that technology factors, namely Perceived Usefulness, Perceived Ease of Us, Relative Advantage have a positive and significant effect on QR adoption, organizational factors, namely Top Management Support, have a positive and significant effect on QR adoption, environmental factors, namely competitive pressure, are not significant on QR adoption, and QR Adoption has a positive and significant effect on Financial Performance in MSMEs in Bekasi City. These findings suggest that technological readiness and internal organizational support play a crucial role in the adoption of digital payment technologies. This research contributes to a better understanding of digital transformation in MSMEs and offers recommendations for stakeholders to enhance financial performance through the strategic implementation of QR-based payment systems.