Phygital Marketing Transformation: Integrating QRIS to Enhance Customer Experience and Engagement
DOI:
https://doi.org/10.38035/jemsi.v7i2.6867Keywords:
Phygital Marketing, QRIS, Customer Experience, Customer EngagementAbstract
Digital transformation drives the convergence between physical and digital spaces in retail marketing, known as phygital marketing. In Indonesia, the Quick Response Code Indonesian Standard (QRIS) has become a key instrument in supporting technology-based customer experiences. This study aims to examine the influence of perceived information quality, system quality, service quality, transaction speed, and risk on customer experience and customer engagement in the use of QRIS. Using an explanatory sequential mixed-method design, the quantitative phase involved 188 QRIS users in traditional retail, followed by in- depth interviews with five business actors in Merauke Regency. Data analysis using SEM- PLS showed that perceptions of information, system, and service quality had a positive effect on customer experience, while perceived risk had a negative effect. However, transaction speed had no significant effect. Only customer experience directly influenced customer engagement and partially mediated most of the indirect effects of the perceptual variables. Qualitative findings confirmed that business actors faced challenges related to infrastructure, technological understanding, and support services, which affected the optimal use of QRIS. This study extends the ISSM model by incorporating risk and transaction speed dimensions and emphasizes the importance of customer experience in strengthening user engagement. Practical implications include the need for education, technical support services, and enhancement of digital infrastructure to increase the sustainable adoption of QRIS in the traditional retail sector.
References
Agarwal, S., Amromin, G., Chomsisengphet, S., Landvoigt, T., Piskorski, T., Seru, A., & Yao, V. (2023). Mortgage refinancing, consumer spending, and competition: Evidence from the home affordable refinance program. The Review of Economic Studies, 90(2), 499–537.
Alexander, B., & Cano, M. B. (2020). Store of the future: Towards a (re) invention and (re) imagination of physical store space in an omnichannel context. Journal of Retailing and Consumer Services, 55, 101913.
Alexander, B., & Varley, R. (2025). Retail futures: Customer experience, phygital retailing, and the Experiential Retail Territories perspective. Journal of Retailing and Consumer Services, 82, 104108.
Andaregie, A., Abebe, G. K., Gupta, P., Worku, G., Matsumoto, H., Astatkie, T., & Takagi, I. (2024). Exploring individuals’ socioeconomic characteristics and digital infrastructure determinants of digital payment adoption in Ethiopia. Digital Business, 4(2), 100092.
Bruce, E., Keelson, S., Amoah, J., & Bankuoru Egala, S. (2023). Social media integration: An opportunity for SMEs sustainability. Cogent Business & Management, 10(1), 2173859.
Chang, V., Chen, W., Xu, Q. A., & Xiong, C. (2021). Towards the customers’ intention to use QR codes in mobile payments. Journal of Global Information Management (JGIM), 29(6), 1–21.
Chen, L. (2008). A model of consumer acceptance of mobile payment. International Journal of Mobile Communications, 6(1), 32–52.
DeLone, W. H., & McLean, E. R. (2003). The DeLone and McLean model of information systems success: a ten-year update. Journal of Management Information Systems, 19(4), 9–30.
Eren, B. A. (2022). QR code m-payment from a customer experience perspective. Journal of Financial Services Marketing, 1.
Gao, S., Yang, X., Guo, H., & Jing, J. (2018). An empirical study on users’ continuous usage intention of QR code mobile payment services in China. International Journal of E-Adoption (IJEA), 10(1), 18–33.
Ghobakhloo, M., Iranmanesh, M., Mubarak, M. F., Mubarik, M., Rejeb, A., & Nilashi, M. (2022). Identifying industry 5.0 contributions to sustainable development: A strategy roadmap for delivering sustainability values. Sustainable Production and Consumption, 33, 716–737.
Gorla, N., Somers, T. M., & Wong, B. (2010). Organizational impact of system quality, information quality, and service quality. The Journal of Strategic Information Systems, 19(3), 207–228.
Gupta, A. S., & Mukherjee, J. (2025). Exploring drivers of customer engagement with voice interface in E-retail. International Journal of Retail & Distribution Management, 53(4), 297–311.
Hair, J. F. (2014). A primer on partial least squares structural equation modeling (PLS-SEM). sage.
Hassan, H. E. (2024). The role of mobile shopping service quality in enhancing customers M-satisfaction, M-loyalty, and E-word of mouth. Future Business Journal, 10(1), 109.
Hau, Y. S., Kim, G., & Kim, B. (2012). Antecedents of user satisfaction in the context of mobile data services: the moderating role of variety and rate of usage. International Journal of Mobile Communications, 10(6), 617–636.
Hoyer, W. D., Kroschke, M., Schmitt, B., Kraume, K., & Shankar, V. (2020). Transforming the customer experience through new technologies. Journal of Interactive Marketing, 51(1), 57–71.
Johnson, V. L., Kiser, A., Washington, R., & Torres, R. (2018). Limitations to the rapid adoption of M-payment services: Understanding the impact of privacy risk on M-Payment services. Computers in Human Behavior, 79, 111–122.
Kumalasari, R. A. D., Permanasari, K. I., Karismariyanti, M., & Munandar, D. (2022). Mobile banking: system quality, information quality, service quality, customer satisfaction, and loyalty. Jurnal Administrare: Jurnal Pemikiran Ilmiah Dan Pendidikan Administrasi Perkantoran, 9(1), 141–148.
Le, X. C. (2022). The diffusion of mobile QR-code payment: an empirical evaluation for a pandemic. Asia-Pacific Journal of Business Administration, 14(4), 617–636.
Liébana-Cabanillas, F., Ramos de Luna, I., & Montoro-Ríos, F. J. (2015). User behaviour in QR mobile payment system: the QR Payment Acceptance Model. Technology Analysis & Strategic Management, 27(9), 1031–1049.
Liu, R., Wu, J., & Yu-Buck, G. F. (2021). The influence of mobile QR code payment on payment pleasure: evidence from China. International Journal of Bank Marketing, 39(2), 337–356.
Mbama, C. I., & Ezepue, P. O. (2018). Digital banking, customer experience and bank financial performance: UK customers’ perceptions. International Journal of Bank Marketing, 36(2), 230–255.
Nancyprabha, P., & Sivakumar, V. J. (2023). The influence of perceived risk and trust on customer experience: an empirical study on young m-banking app users in India. International Journal of Business Excellence, 29(2), 222–247.
Patma, T. S., Fienaningsih, N., Rahayu, K. S., & Artatanaya, I. G. L. S. (2021). Impact of information quality on customer perceived value, experience quality, and customer satisfaction from using Gofood Aplication. Journal of Indonesian Economy and Business: JIEB., 36(1), 51–61.
Pires, P. B., Prisco, M., Delgado, C., & Santos, J. D. (2024). A conceptual approach to understanding the customer experience in e-commerce: An empirical study. Journal of Theoretical and Applied Electronic Commerce Research, 19(3), 1943–1983.
Pullman, M. E., & Gross, M. A. (2004). Ability of experience design elements to elicit emotions and loyalty behaviors. Decision Sciences, 35(3), 551–578.
Pusceddu, G., Moi, L., & Cabiddu, F. (2025). Do they see eye to eye? Managing customer experience in phygital high-tech retail. Management Decision, 63(6), 2008–2037.
Raman, P., & Aashish, K. (2021). To continue or not to continue: a structural analysis of antecedents of mobile payment systems in India. International Journal of Bank Marketing, 39(2), 242–271.
Ramayanti, R. N., Mahmudah, H., Yaskun, M., & Najiah, E. F. (2025). Analysis of The Influence of Customer Relationship Management, Digital Marketing And Service Quality on Customer Loyalty Mediated By Customer Satisfaction on The DANA Application (Study Case at Bima Cell). NICEBIS: National Innovation Conference on Economics and Business, 1(1).
Shin, D.-H. (2015). Effect of the customer experience on satisfaction with smartphones: Assessing smart satisfaction index with partial least squares. Telecommunications Policy, 39(8), 627–641.
Smahi, A., Xia, Q., Xia, H., Sulemana, N., Fateh, A. A., Gao, J., Du, X., & Guizani, M. (2020). A blockchainized privacy-preserving support vector machine classification on mobile crowd sensed data. Pervasive and Mobile Computing, 66, 101195.
Stentoft, J., & Rajkumar, C. (2020). The relevance of Industry 4.0 and its relationship with moving manufacturing out, back and staying at home. International Journal of Production Research, 58(10), 2953–2973.
Trivedi, J. (2019). Examining the customer experience of using banking chatbots and its impact on brand love: The moderating role of perceived risk. Journal of Internet Commerce, 18(1), 91–111.
Vargo, S. L., & Lusch, R. F. (2008). A service logic for service science. In Service science, management and engineering education for the 21st century (pp. 83–88). Springer.
Verhoef, P. C., Lemon, K. N., Parasuraman, A., Roggeveen, A., Tsiros, M., & Schlesinger, L. A. (2009). Customer experience creation: Determinants, dynamics and management strategies. Journal of Retailing, 85(1), 31–41.
Vyas, S., Rathore, J. S., & Kumar, V. (2024). Insights into mobile app experience: a systematic literature review using TCCM framework. Global Knowledge, Memory and Communication.
Wixom, B. H., & Todd, P. A. (2005). A theoretical integration of user satisfaction and technology acceptance. Information Systems Research, 16(1), 85–102.
Yan, L.-Y., Tan, G. W.-H., Loh, X.-M., Hew, J.-J., & Ooi, K.-B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58, 102300.
Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management & Data Systems, 115(2), 253–269.
Ylilehto, M., Komulainen, H., & Ulkuniemi, P. (2021). The critical factors shaping customer shopping experiences with innovative technologies. Baltic Journal of Management, 16(5), 661–680.
Yoon, C. (2010). Antecedents of customer satisfaction with online banking in China: The effects of experience. Computers in Human Behavior, 26(6), 1296–1304.
Zeithaml, V. A., Parasuraman, A., & Malhotra, A. (2002). Service quality delivery through web sites: a critical review of extant knowledge. Journal of the Academy of Marketing Science, 30(4), 362–375.
Zhao, Y., & Bacao, F. (2021). How does the pandemic facilitate mobile payment? An investigation on users’ perspective under the COVID-19 pandemic. International Journal of Environmental Research and Public Health, 18(3), 1016.
Zhong, Y., & Moon, H.-C. (2022). Investigating customer behavior of using contactless payment in China: A comparative study of facial recognition payment and mobile QR-code payment. Sustainability, 14(12), 7150.
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085–1091.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Dodhy Hyronimus Ama Longgy, Florentina Blandina Parapaga, Yumiad Fernando Richard, Jacobus Rico Kuntag

This work is licensed under a Creative Commons Attribution 4.0 International License.
Hak cipta :
Penulis yang mempublikasikan manuskripnya di jurnal ini menyetujui ketentuan berikut:
- Hak cipta pada setiap artikel adalah milik penulis.
- Penulis mengakui bahwa Jurnal Ekonomi Manajemen Sistem Informasi (JEMSI) berhak menjadi yang pertama menerbitkan dengan lisensi Creative Commons Attribution 4.0 International (Attribution 4.0 International CC BY 4.0) .
- Penulis dapat mengirimkan artikel secara terpisah, mengatur distribusi non-eksklusif manuskrip yang telah diterbitkan dalam jurnal ini ke versi lain (misalnya, dikirim ke repositori institusi penulis, publikasi ke dalam buku, dll.), dengan mengakui bahwa manuskrip telah diterbitkan pertama kali di Jurnal Ekonomi Manajemen Sistem Informasi (JEMSI).








































































