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Abstract
This study aims to analyze the influence of financial literacy, perceived security, ease of use, and efficiency on the decision to use the Quick Response Code Indonesian Standard (QRIS) as a payment method among Micro, Small, and Medium Enterprises (MSMEs) in Semarang City. This research employed a quantitative approach using a survey method. The sample consisted of 100 respondents selected through purposive sampling. Data were collected by distributing questionnaires to MSME owners who use QRIS in Semarang City. Data analysis was conducted using SPSS, including validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, partial significance testing (t-test), simultaneous significance testing (F-test), and the coefficient of determination. The results indicate that financial literacy has no significant effect on the decision to use QRIS. Meanwhile, perceived security, ease of use, and efficiency have positive and significant effects on the decision to use QRIS. Simultaneously, all independent variables have a significant effect on the decision to use QRIS among MSMEs in Semarang City.