{"id":376189,"date":"2018-01-30T17:14:16","date_gmt":"2018-01-30T10:14:16","guid":{"rendered":"http:\/\/vibiznews.com\/?p=376189"},"modified":"2018-01-30T17:17:23","modified_gmt":"2018-01-30T10:17:23","slug":"tren-pembayaran-dengan-qr-code-makin-diminati","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2018\/01\/30\/tren-pembayaran-dengan-qr-code-makin-diminati\/","title":{"rendered":"Tren Pembayaran Dengan QR Code Makin Diminati"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking) \u2013 Era sistem pembayaran kini telah masuk ke babak baru. Tren pembayaran digital kini bermunculan. Sistem pembayaran menggunakan QR code tersebut bakal makin semarak.<\/p>\n<p style=\"text-align: justify;\">Bank Indonesia (BI) memproyeksikan, sistem pembayaran dengan menggunakan QR Code akan menjadi salah satu tren ke depan. Mengapa? Karena pembayaran dengan menggunakan QR Code aman, efektif dan implementasi teknologi ini murah dibandingkan dengan konvensional.<\/p>\n<p style=\"text-align: justify;\">Bank Indonesia (BI) selaku otoritas sistem pembayaran mengatakan seluruh perusahaan maupun penyedia layanan jasa penerimaan pembayaran berbasis\u00a0<em>quick response<\/em>\u00a0(QR)\u00a0<em>code<\/em>\u00a0harus mengikuti aturan yang ditetapkan oleh bank sentral.<\/p>\n<p style=\"text-align: justify;\">Enny Panggabean, Direktur Eksekutif Departemen Kebijakan dan Pengawasan Sistem Alat Pembayaran BI mengatakan saat ini, sudah puluhan pemain baru yang mengajukan izin ke regulator\u00a0\u00a0\u00a0 terkait hal ini, karena prospek QR code cukup baik dan kami sedang dalam proses mempersiapkan aturan terkait ini,&#8221; kata Enny.<\/p>\n<p style=\"text-align: justify;\">Menurut Enny sebelum mengizinkan pemain baru masuk, regulator akan melihat beberapa hal penting yaitu:<\/p>\n<ol style=\"text-align: justify;\">\n<li>Apakah perlindungan konsumen saat menggunakan QR Code memadai?<\/li>\n<li>BI juga melihat apakah pemain baru ini sudah memiliki sistem keamanan yang baik dan dapat diandalkan?<\/li>\n<li>Pemain QR Code ini harus memastikan jaringannya bisa terhubung ke gerbang pembayaran nasional (GPN).<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">Enny juga mengatakan ke depan sistem pembayaran ini akan banyak dipakai masyarakat. Karena jika menggunakan\u00a0<em>electronic data capture\u00a0<\/em>(EDC),\u00a0<em>merchant\u00a0<\/em>harus membayar biaya yang cukup mahal, sedangkan dengan QR Code investasi alat bisa ditekan seminimal mungkin.<\/p>\n<p style=\"text-align: justify;\">Sementara itu, \u00a0Direktur Eksekutif Departemen Elektronifikasi dan Gerbang Pembayaran Nasional BI Pungky Wibowo menjelaskan, Peraturan BI soal QR code akan berada dalam PBI tentang Penyelenggaraan Proses Transaksi Pembayaran.<\/p>\n<p style=\"text-align: justify;\">&#8220;Kalau ada yang ingin memiliki izin QR code harus lapor BI untuk mendapatkan persetujuan, karena kami akan\u00a0melakukan <em>assesment<\/em>\u00a0bagaimana kemampuan teknologi QR code yang akan dilakukan oleh pihak yang bersangkutan,&#8221; tegas Pungky.<\/p>\n<p style=\"text-align: justify;\">Selanjutnya, Pungky menambahkan izin QR code ini akan berbeda karakteristik dengan izin uang elektronik yang sudah ada. Alasannya, izin mengenai uang elektronik hanya ditetapkan pada penerbit kartu, sedangkan QR code berhubungan dengan <em>acquiring<\/em>.<\/p>\n<p style=\"text-align: justify;\">Kedua aturan tersebut, tambah Pungky akan disempurnakan dalam ketentuan Peraturan Bank Indonesia (PBI) yang penyempurnaannya akan dikeluarkan paling tidak bulan Januari 2018.<\/p>\n<p style=\"text-align: justify;\">Beberapa bank pemerintah dan bank swasta Nasional menyetujui bahwa system pembayaran dengan menggunakan QR code ini mempunyai prospek cerah, dengan system ini diharapkan bisa memperluas system pembayaran yang ada saat ini. Bahkan beberapa bank sudah mengimplementasikan teknologi QR code ini seperti BCA telah menerapkannya di produk Sakuku, BNI telah menjalankan QR code sejak 2016 dengan produk UnikQu.<\/p>\n<p style=\"text-align: justify;\">Direktur Konsumer Bank Negara Indonesia (BNI) Anggoro Eko Cahyo yang mengatakan, kelak QR code akan mengganti peran\u00a0<em>electronic data capture\u00a0<\/em>(EDC). Pembayaran lewat QR code di BNI menurut Anggoro, dapat memakai tiga sumber dana sebagai alat pembayaran, yakni kartu kredit, rekening tabungan dan dompet elektronik BNI (UnikQu). Sistem pembayaran QR code BNI sendiri akan terkoneksi dengan aplikasi yap! BNI kini sudah menggandeng tak kurang dari 3.000 merchant yang dapat menerima pembayaran QR code.<\/p>\n<p>&nbsp;<\/p>\n<pre><em>Belinda Kosasih\/Coordinating Partner of Banking Business<\/em>\r\n<em>Editor : Asido Situmorang<\/em><\/pre>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking) \u2013 Era sistem pembayaran kini telah masuk ke babak baru. Tren pembayaran digital kini bermunculan. Sistem pembayaran menggunakan QR code tersebut bakal makin semarak. Bank Indonesia (BI) memproyeksikan, sistem pembayaran dengan menggunakan QR Code akan menjadi salah satu tren ke depan. Mengapa? Karena pembayaran dengan menggunakan QR Code aman, efektif dan implementasi [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":324191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353,29],"tags":[6395,6397],"class_list":["post-376189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-business","tag-qr-code","tag-tren-pembayaran-digital"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tren Pembayaran Dengan QR Code Makin Diminati - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2018\/01\/30\/tren-pembayaran-dengan-qr-code-makin-diminati\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tren Pembayaran Dengan QR Code Makin Diminati - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking) \u2013 Era sistem pembayaran kini telah masuk ke babak baru. 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