Implementasi Sistem Pembayaran Digital pada UMKM Pasar Tradisional di Kota Bandung
Abstract
Transformasi digital dalam sistem pembayaran menjadi salah satu strategi penting untuk meningkatkan efisiensi transaksi dan inklusi keuangan bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM). Namun, tingkat adopsi pembayaran digital di pasar tradisional masih relatif rendah akibat keterbatasan literasi digital, rendahnya kepercayaan terhadap keamanan transaksi, serta minimnya pendampingan teknis. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pemahaman dan kemampuan pedagang UMKM dalam menggunakan sistem pembayaran digital, khususnya QRIS. Kegiatan dilaksanakan di Pasar Gedebage Kota Bandung melalui tahapan survei kebutuhan, sosialisasi, pelatihan teknis langsung, pendampingan lapangan, dan evaluasi. Sebanyak 10 pedagang UMKM menjadi peserta program. Hasil kegiatan menunjukkan peningkatan signifikan pada aspek literasi digital, kemampuan penggunaan QRIS, persepsi kemanfaatan, dan niat penggunaan berkelanjutan. Pendampingan intensif terbukti efektif dalam membangun kepercayaan serta mendorong perubahan perilaku transaksi menuju sistem pembayaran digital. Program ini berpotensi menjadi model pengembangan digitalisasi UMKM di pasar tradisional lainnya.
Copyright (c) 2026 Ardi Taryanto, Agus Alim, Ari Safrizal Wildan, M. Yusuf Sanny, Ade Sudrajat, Firdaus (Author)
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