Islamic Socio-Economic Model in Medan's QRIS Payment System: The Roles of Ease of Use, Digital Divide, and Financial Inclusion

Riyan Pradesyah; Khairunnisa

doi:10.54471/iqtishoduna.v15i2.3599

Authors

Riyan Pradesyah Universitas Muhammadiyah Sumatera Utara
Khairunnisa Universitas Muhammadiyah Sumatera Utara

DOI:

https://doi.org/10.54471/iqtishoduna.v15i2.3599

Keywords:

islamic scio-economics, QRIS, financial inclusion, digital divide, PLS-SEM

Abstract

Background and research gap - Digital payment transformation through the Quick Response Code Indonesian Standard (QRIS) has expanded rapidly across Indonesia, yet whether simple technological adoption translates into Islamic socio-economic welfare remains underexplored.

Purpose - This study analyzes the Islamic socio-economic model within the QRIS payment ecosystem in Medan City by examining the structural relationships among QRIS ease of use, digital divide, financial inclusion, and Islamic socio-economic outcomes.

Design/methodology/approach - A quantitative explanatory research design was conducted, involving a purposive sample of 225 active QRIS users in Medan City. Primary data gathered via 5-point Likert scale questionnaires were evaluated using Partial Least Squares-Structural Equation Modeling (PLS-SEM) in SmartPLS.

Key Findings - The empirical findings demonstrate that QRIS ease of use and digital divide exert positive and significant direct impacts on both Islamic socio-economics and financial inclusion. Conversely, financial inclusion has a negative and significant direct impact on Islamic socio-economic outcomes. Furthermore, financial inclusion acts as a negative mediating variable, significantly channelling the indirect effects of both QRIS ease of use and digital divide onto Islamic socio-economics. All seven proposed hypotheses (H1-H7) are supported by the empirical data.

Research limitations/implications - These results confirm that merely expanding access to digital financial services is insufficient to promote societal well-being.

Originality/value - To achieve genuine Islamic socio-economic welfare, policymakers and financial institutions must prioritize quality financial usage, enhanced Sharia financial literacy, and productive, ethical transaction behaviors over passive technology adoption.

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Author Biographies

Riyan Pradesyah, Universitas Muhammadiyah Sumatera Utara

Department of Islamic Banking, Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara, Indonesia

Khairunnisa, Universitas Muhammadiyah Sumatera Utara

Department of Islamic Banking, Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara, Indonesia

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