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Abstract

This study investigates the influence of e-banking and QRIS usage on business development through employee performance at PT. Arsinum Uniba Madura. A quantitative research approach was employed, involving a survey of 79 respondents comprising owners, managers, employees, suppliers, and customers. Data were collected in December 2024 and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The findings reveal that e-banking significantly enhances employee performance but does not have a direct effect on business development. Conversely, QRIS usage significantly improves employee performance and indirectly drives business development through this improvement. Employee performance itself shows a strong and significant positive impact on business development. These results highlight that adopting financial technology alone is insufficient; it must be accompanied by strategies to strengthen employees’ digital skills and adaptability. The study contributes to the literature on FinTech adoption in MSMEs and offers practical guidance for integrating digital payment systems with workforce development. Future research should expand the sample across multiple sectors and regions and examine other mediating factors such as innovation capability and customer satisfaction.

Keywords

E-banking QRIS Employee Performance Business Development FinTech

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Holis, N., Hidayat, R., Rahayu, S., & Fitrianty, R. (2025). The Influence of E-Banking and Quick Response Code Indonesian Standard (QRIS) Usage on Employee Performance and Business Development in Indonesian MSMEs: A Case Study of PT. Arsinum Uniba Madura. Golden Ratio of Mapping Idea and Literature Format, 6(1), 912–930. https://doi.org/10.52970/grmilf.v6i1.1771
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