{"id":566988,"date":"2024-06-24T10:02:51","date_gmt":"2024-06-24T03:02:51","guid":{"rendered":"https:\/\/vibiznews.com\/?p=566988"},"modified":"2024-06-24T13:54:46","modified_gmt":"2024-06-24T06:54:46","slug":"kinerja-transaksi-ekonomi-dan-keuangan-digital-tetap-kuat","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/06\/24\/kinerja-transaksi-ekonomi-dan-keuangan-digital-tetap-kuat\/","title":{"rendered":"Kinerja Transaksi Ekonomi dan Keuangan Digital Tetap Kuat"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Di tengah ketidakstabilan ekonomi global maka transaksi ekonomi dan keuangan digital terus bertumbuh pesat di negara kita.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Kinerja transaksi ekonomi dan keuangan digital tetap kuat didukung oleh sistem pembayaran yang aman, lancar, dan andal.<\/strong><\/h5>\n<p style=\"text-align: justify;\">Berdasarkan laporan Bank Indonesia pada Mei 2024, transaksi BI-RTGS tercatat meningkat 0,16% (yoy) sehingga mencapai Rp14.557,29 triliun.<br \/>\nTransaksi BI-FAST tercatat Rp701,61 triliun atau tumbuh 53,08% (yoy).<\/p>\n<p style=\"text-align: justify;\">Transaksi\u202f<em>digitalbanking<\/em>\u202fmencapai Rp5.570,49 triliun atau tumbuh sebesar 10,82% (yoy). Sementara transaksi Uang Elektronik (UE) meningkat 35,24% (yoy) sehingga mencapai Rp92,79 triliun.<\/p>\n<p style=\"text-align: justify;\">Transaksi QRIS tumbuh 213,31% (yoy), dengan jumlah pengguna mencapai 49,76 juta dan jumlah\u202fmerchant\u202f 32,25 juta.<\/p>\n<p style=\"text-align: justify;\">Sementara itu, transaksi pembayaran menggunakan kartu ATM\/Debit turun sebesar 5,41% (yoy) sehingga mencapai Rp615,18 triliun.<\/p>\n<p style=\"text-align: justify;\">Transaksi kartu kredit masih meningkat 6,60% (yoy) mencapai Rp35,18 triliun. Dari sisi pengelolaan uang Rupiah, jumlah Uang Kartal Yang Diedarkan (UYD) meningkat 6,82% (yoy) sehingga menjadi Rp1.038,26 triliun.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Menurut Analis Vibiz Research Center ada beberapa hal yang menyebabkan transaksi ekonomi dan keuangan digital meningkat di Indonesia<\/strong><\/h5>\n<p style=\"text-align: justify;\"><strong>1<\/strong>. <strong>Peningkatan Penggunaan Internet dan Smartphone:<\/strong><br \/>\nIndonesia memiliki jumlah pengguna internet dan smartphone yang besar dan terus bertambah. Hal ini memfasilitasi akses lebih mudah ke platform-platform digital seperti e-commerce, perbankan digital, dan aplikasi keuangan.<\/p>\n<p style=\"text-align: justify;\"><strong>2<\/strong>. <strong>Adopsi Teknologi dan Digitalisasi:<\/strong><br \/>\nPerusahaan-perusahaan di Indonesia, termasuk perbankan dan industri e-commerce, telah aktif mengadopsi teknologi digital untuk meningkatkan layanan dan efisiensi operasional mereka. Hal inilah yang menciptakan ekosistem yang mendukung pertumbuhan transaksi digital.<\/p>\n<p style=\"text-align: justify;\"><strong>3<\/strong>.<strong> Perkembangan Fintech:<\/strong><br \/>\nIndustri fintech di Indonesia mengalami pertumbuhan yang pesat, dengan berbagai platform yang menawarkan layanan seperti pembayaran digital, pinjaman online, dan investasi. Inovasi-inovasi ini mendorong masyarakat untuk beralih dari transaksi tunai ke digital.<\/p>\n<p style=\"text-align: justify;\"><strong>4.<\/strong> <strong>Pandemi COVID-19:<\/strong><br \/>\nPandemi telah mempercepat adopsi teknologi digital di banyak negara, termasuk Indonesia. Pembatasan sosial dan perubahan perilaku konsumen selama pandemi mendorong lebih banyak orang untuk menggunakan layanan digital untuk berbelanja. Demikian juga untuk membayar tagihan, dan melakukan transaksi lainnya.<\/p>\n<p style=\"text-align: justify;\"><strong>5. Peningkatan Literasi Keuangan:<\/strong><br \/>\nPeningkatan literasi keuangan di kalangan masyarakat Indonesia juga berkontribusi pada meningkatnya transaksi digital. Semakin banyak orang yang memahami manfaat dan cara menggunakan layanan keuangan digital, semakin besar adopsinya.<\/p>\n<p style=\"text-align: justify;\"><strong>6. Dukungan Regulasi:<\/strong><br \/>\nPemerintah Indonesia telah mendukung perkembangan ekonomi dan keuangan digital melalui regulasi yang memadai. Termasuk regulasi fintech yang memungkinkan perusahaan untuk berkembang dan menghadirkan inovasi baru.<\/p>\n<p style=\"text-align: justify;\">Kombinasi faktor-faktor ini menciptakan lingkungan yang kondusif bagi pertumbuhan transaksi ekonomi dan keuangan digital di Indonesia. Tentunya dengan prospek yang cerah untuk masa depannya.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Di tengah ketidakstabilan ekonomi global maka transaksi ekonomi dan keuangan digital terus bertumbuh pesat di negara kita. Kinerja transaksi ekonomi dan keuangan digital tetap kuat didukung oleh sistem pembayaran yang aman, lancar, dan andal. Berdasarkan laporan Bank Indonesia pada Mei 2024, transaksi BI-RTGS tercatat meningkat 0,16% (yoy) sehingga [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":481795,"comment_status":"closed","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":[353,3011],"tags":[6013,9377,14040],"class_list":["post-566988","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-news-insight","tag-digital-banking","tag-qris","tag-uang-elektronik-ue"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kinerja Transaksi Ekonomi dan Keuangan Digital Tetap Kuat - 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