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Ananda, Geby Citra
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The Use of QRIS in Improving Digital Payment Efficiency and Financial Inclusion in Indonesia Ananda, Geby Citra
Proceedings of The International Conference on Computer Science, Engineering, Social Science, and Multi-Disciplinary Studies Vol. 1 (2025)
Publisher : CV Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64803/cessmuds.v1.62

Abstract

Digital transformation in the financial sector has driven the development of non-cash payment instruments in Indonesia. The Quick Response Code Indonesian Standard (QRIS) is a QR Code-based payment system innovation standardized by Bank Indonesia to facilitate transactions, reduce costs, and improve the efficiency of digital payments. This study aims to analyze how the use of QRIS can enhance the efficiency of digital payments and expand financial inclusion in Indonesia. The research used a descriptive qualitative approach, drawing on secondary data from Bank Indonesia publications, industry reports, and academic studies. The results show that QRIS improves transaction efficiency by reducing costs, enabling interoperability, and speeding payment processes. In addition, QRIS accelerates financial inclusion, especially for MSMEs that previously had no access to formal financial services, by enabling easier onboarding to digital payment systems. This study confirms that QRIS is a strategic instrument in supporting economic digitalization and increasing financial access in Indonesia.
Co-Authors Elli Afrida Fitriani, Aulia Putri Helman Helman, Helman Kesuma, Dwi Nurmala Lubis , Zuhrianda Qois Masitah, Tina Herianty Misdawati, Misdawati Ns, Yossi Najwa Leswari Pohan, Syahrial Hasanuddin Reza Hanafi Lubis Sabilla, Sania Saragih, Nia Jun Angle Sari, Fatnida Septriany, Widya Tampubolon, Sophia Valentina Yanti, Suci Rahma