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This study aims to examine the Technology Acceptance Model (TAM) for QRIS usage in SMEs in Indonesia. We employed Partial Least Square Structural Equation Modelling (PLS-SEM) with a first-order reflective model to analyze the data. The dataset contains 107 SMEs in Medan, Indonesia (n = 107). There are four constructs in the model in this study, namely: perceived usefulness, perceived ease of use, attitude toward using, and behavioral intention to use. After evaluating measurement models and structural models known to meet the criteria, we can conclude the results of the data analysis. In general, all variables positively affect other variables in this model, although one of them is insignificant. The results indicate that perceived usefulness is positive and significantly affects attitude toward using and behavioral intention to use. At the same time, attitude toward using is also positive and significantly affects behavioral intention to use. Furthermore, perceived ease of use is also shown to have a positive and significant effect on attitude toward using and perceived usefulness. However, perceived ease of use insignificantly affects behavioral intention to use, although it still positively affects the behavioral intention to use. The findings of this study provide some crucial implications for SMEs and the provider of QRIS. Since the results indicate welcoming QRIS usage, the socialization of QRIS needs to be more massive to reach the vast majority of Indonesian SMEs in Indonesia.

The aim of this study is to determine smart governance, smart tourism, smart mobility, and smart sustainability are used by stakeholders in Lake Toba tourism objects to prepare smart tourism destinations (STD) for the effects of covid-19. This research is in line with the strategic plan of the Medan State University research which focuses on the development of tourism areas in North Sumatra. This study uses a Research and Development type with a basic-based research approach through needs analysis, model confirmation, and evaluation. Tourists that visited Lake Toba attractions in April 2022 were given questionnaires, and data were analyzed using pls-sem. The study shows that smart governance influences smart travel, smart tourism, and smart sustainability. On the other hand, smart mobility does not have a positive effect on smart sustainability, smart tourism has a positive and significant effect on smart sustainability. Overall, further research are needed to use other variables.