Adopsi Pembayaran Digital di Era Pasca-Pandemi: Telaah Literatur tentang tren, Tantangan, Implikasi Kebijakan di Indonesia

Abstract

Perkembangan teknologi finansial telah mempercepat adopsi pembayaran digital di Indonesia, terutama sejak masa pandemi COVID-19. Penelitian ini bertujuan untuk meninjau literatur terkini periode 2021–2025 yang ditulis oleh peneliti Indonesia mengenai adopsi digital payment, dengan penekanan pada aspek teknologi, regulasi, dan perilaku konsumen. Metode yang digunakan adalah studi literatur sistematis melalui penelusuran data dari Google Scholar. Hasil kajian menunjukkan bahwa faktor kepercayaan (trust), persepsi kemudahan penggunaan (perceived ease of use), pengaruh sosial (social influence), serta dukungan regulasi melalui implementasi QRIS memiliki peran signifikan dalam mendorong adopsi pembayaran digital. Penelitian ini juga mengusulkan kerangka konseptual yang memposisikan perilaku konsumen sebagai variabel mediasi antara faktor teknologi dan kebijakan terhadap adopsi aktual. Temuan ini memberikan implikasi penting bagi penyedia jasa keuangan dan pembuat kebijakan untuk memperkuat ekosistem pembayaran digital yang aman, inklusif, dan berkelanjutan di Indonesia.
 
The advancement of financial technology has accelerated the adoption of digital payment systems in Indonesia, particularly during and after the COVID-19 pandemic. This study aims to review recent literature published between 2021 and 2025 by Indonesian researchers concerning digital payment adoption, with a specific focus on technological, regulatory, and consumer behavior factors. A systematic literature review method was employed using sources retrieved from Google Scholar. The findings reveal that trust, perceived ease of use, social influence, and regulatory support through the implementation of QRIS play significant roles in driving digital payment adoption. Furthermore, this study proposes a conceptual framework that positions consumer behavior as a mediating variable linking technological and policy factors to actual adoption. The implications of this research are directed toward financial service providers and policymakers to strengthen a secure, inclusive, and sustainable digital payment ecosystem in Indonesia.regulatory support through QRIS play an important role in determining the adoption of digital payments. This study offers a conceptual framework that places consumer behavior as a mediator between technology and policy on actual adoption. The implications of this research are aimed at financial service providers and regulators to strengthen a secure, inclusive, and sustainable digital payments ecosystem.