Peran Qris Terhadap Perilaku Konsumtif Generasi Z

Abstract

This study aims to understand how the use of QRIS (Quick Response Code Indonesian Standard) affects the consumptive behavior of Generation Z in Indonesia. The background of this study stems from the phenomenon of increasing use of digital payments among young people, who are known to be very familiar with technology and often make impulsive purchases. Most previous studies have focused more on the technical aspects of QRIS and its benefits for MSMEs, while its direct influence on the consumption patterns of Generation Z has not been widely studied. Therefore, this study was conducted using a descriptive qualitative approach through in-depth interviews with students aged 17– 25 who actively use QRIS in their daily lives, supplemented by field observations and supporting document reviews. The analysis was conducted by exploring the main themes from the respondents' experiences and stories, thereby obtaining a complete picture of the relationship between QRIS and consumptive behavior. The results of the study show that QRIS does indeed influence the way Generation Z shops. The ease and speed of transactions make them shop more often, even for non-urgent needs. QRIS is also seen as a symbol of modernity, encouraging them to prefer MSMEs that already provide digital payment services. On the other hand, QRIS helps MSMEs become more efficient and secure in their transactions, but it also creates new consumption habits that make financial control more difficult. The novelty of this research lies in its focus on the real experiences of Generation Z, not just the technical aspects. This research shows that QRIS is not just a payment tool, but part of a digital lifestyle that shapes new social norms. These findings are expected to enrich the literature on finance and consumer behavior, as well as provide practical input for strengthening