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fatoni, malik
Universitas Bina Bangsa
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CROSS-BORDER PAYMENT DIGITALIZATION: THE PHENOMENON OF QRIS ACCEPTANCE IN MALAYSIA FROM THE PERSPECTIVE OF THE DIGITAL ECONOMY AND MSME EMPOWERMENT Hasyriningsih Asfar, Andi; Fatonah, Siti; Fatoni, Malik; Zahra, Surti; Wandi, Didi; Gunawan, Hendry
Prosiding Amal Insani Foundation Vol. 3 (2026): PROSIDING INTERNASIONAL
Publisher : Amal Insani Foundation

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Abstract

This study aims to analyze a unique phenomenon identified during an international community service activity in Malaysia, namely the refusal of cash payments in Indonesian rupiah and Singapore dollars in several souvenir shops, while digital payments based on QRIS were accepted. This phenomenon is noteworthy as it reflects a shift in cross-border transaction practices from conventional systems toward regionally integrated digital payment systems. The study employs a descriptive qualitative approach through field observation and a literature review related to payment connectivity between Bank Indonesia and Bank Negara Malaysia. The analysis focuses on the implications of digital economy development for transaction efficiency and MSME empowerment. The findings indicate that cross-border QR code interoperability not only enhances transaction efficiency and convenience but also strengthens financial inclusion and ASEAN economic integration. These results suggest that payment digitalization has the potential to become a new model of technology-based economic integration in Southeast Asia. This study provides a contemporary perspective on the transformation of cross-border payment systems and opens further discussion on the future of the regional digital economy.
Co-Authors Ardi Hidayat BAHITS, ABDUL Bintang, Nofani Wildania Dede Husni Mubarok Diah Ayu Pratiwi Didi Wandi Eli Apud Saepudin ENCEP SAEFULLAH, ENCEP Endayani, Endayani Evelita Patiara Linda Fadya, Fadya Fajri, Adi Nur Fatari Fauji, Ade Firmansah, Firmansah Ghifari, Ahmad Gita Firda, Ajeng Hartono, Adit Ramadhani Hasyriningsih Asfar, Andi Hendry Gunawan, Hendry Ita Rosita Wahyiah Jaka Wijaya Kusuma Juhandi, Nendi Komarudin, Mochamad Fahru Luis Fiska Rahayu Maliki, Budi Ilham Marhamah, Aliatun Mohamad Bayi Tabrani Mohamad Ikrom Arasid Muhamad Rayhan Ferdiansyah Putra Muhammad Saleh Muharommah, Meilani Nani Rohaeni Nani Rohaeni Nisa, Aulia Pratama, Ahmad Yudha Eka Puspa, Rani Rendiyani, M Rida Astuti Pratiwi Sabrawijaya Sefriyandi, Andi Siti Fatonah Sofian, Mochamad Yordan Suherman Arifin Surachman Surachman Surani, Dewi SYAMSUL HIDAYAT Ubay Haki Wahyiah, Ita Rosita Wahyu Widodo Waris.P, Achmad Nur Yuliana, Resty Zahra, Surti