Accelerating the adoption of digital payment systems in underdeveloped regions requires a systemic approach that considers the complex interactions between social, economic, and technological factors. This study examines strategies to promote QRIS adoption in Papua Province, employing a System Dynamics approach. By developing a Causal Loop Diagram and Stock and Flow Diagram, the research simulates the impact of various policy interventions, including community-based education, decentralized digital infrastructure development, and integration of QRIS into local economic activities. Simulation results reveal that these interventions reinforce each other in promoting the growth of users, merchants, and transaction volumes. The findings underscore the importance of context-specific, community-driven strategies in promoting digital financial inclusion in frontier regions, while providing policy insights that can be applied to similar settings across Indonesia.
Strategy to Accelerate QRIS Payment Adoption in Papua Province with System Dynamics Approach
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