{"id":587045,"date":"2025-09-19T12:01:18","date_gmt":"2025-09-19T05:01:18","guid":{"rendered":"https:\/\/vibiznews.com\/?p=587045"},"modified":"2025-09-19T12:01:18","modified_gmt":"2025-09-19T05:01:18","slug":"qris-indonesia-dinilai-menantang-dominasi-platform-barat","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2025\/09\/19\/qris-indonesia-dinilai-menantang-dominasi-platform-barat\/","title":{"rendered":"QRIS Indonesia Dinilai Menantang Dominasi Platform Barat"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiiznews \u2013 Banking &amp; Insurance) \u2013 Berdasarkan laporan Bank Indonesia, kinerja transaksi ekonomi dan keuangan digital pada Agustus 2025 berlangsung dengan baik. Hal ini didukung oleh sistem pembayaran yang aman, lancar, dan andal.<\/p>\n<p style=\"text-align: justify;\">Volume transaksi pembayaran digital mencapai 4,43 miliar transaksi atau tumbuh 39,79% (yoy) pada Agustus 2025 didukung oleh peningkatan seluruh komponennya. Perlu diketahui, bahwa volume transaksi aplikasi mobile dan internet masing-masing tumbuh sebesar 15,86% (yoy) dan 18,85% (yoy).<\/p>\n<h5 style=\"text-align: justify;\">Ini termasuk transaksi QRIS yang tumbuh 145,07% (yoy). Transaksi pembayaran dengan QRIS mengalami pertumbuhan yang signifikan dan diakui dunia internasional.<\/h5>\n<p style=\"text-align: justify;\">Sebagaimana kita ketahui, sistem keuangan internasional telah lama didominasi oleh lembaga-lembaga Barat. Akan tetapi Bank Indonesia, telah menemukan Kode Respons Cepat Standar Indonesia (QRIS) yang menawarkan alternatif yang kredibel.<\/p>\n<p style=\"text-align: justify;\">Kini, dari pedagang kaki lima hingga pusat perbelanjaan kelas atas, bisnis di seluruh negeri semakin mengadopsi sistem pembayaran kode QR. Yakni untuk transaksi digital.<\/p>\n<p style=\"text-align: justify;\">Berdasarkan data Bank Indonesia QRIS, pertama kali diterapkan secara nasional pada tahun 2020. QRIS dirancang untuk menyederhanakan proses pembayaran \u2013 mendigitalkan pembayaran tunai, mengintegrasikan metode non-tunai ke dalam satu standar, dan mentransformasi lanskap keuangan lokal.<\/p>\n<h5 style=\"text-align: justify;\">QRIS telah membuat pembayaran lebih mudah bagi siapa pun yang memiliki rekening bank. Konsumen dapat memindai kode QR pedagang menggunakan aplikasi <em>mobile banking<\/em> atau <em>e-wallet<\/em> mereka untuk menyelesaikan transaksi.<\/h5>\n<p style=\"text-align: justify;\">Dana kemudian ditransfer secara aman dari rekening konsumen yang terhubung ke rekening pedagang. Hal ini jelas memudahkan transaksi karena pembeli tidak perlu membawa uang tunai, dan biasanya tidak ada pembayaran minimum.<br \/>\nSementara bagi penjual, ini juga lebih efektif untuk memeriksa apakah pembeli sudah membayar atau belum.<\/p>\n<p style=\"text-align: justify;\">Menurut para pengamat, QRIS Indonesia menawarkan narasi tandingan lokal yang menantang dominasi platform Barat.<\/p>\n<p style=\"text-align: justify;\">Dampaknya cukup signifikan sehingga Amerika Serikat, dalam Laporan Estimasi Perdagangan Nasional terbarunya tentang Hambatan Perdagangan Luar Negeri, menyoroti QRIS. Mereka mengkritik sistem tersebut sebagai tidak adil bagi penyedia asing.<\/p>\n<p style=\"text-align: justify;\">Menurut Asosiasi Sistem Pembayaran Indonesia, jaringan kartu kredit Visa dan Mastercard tetap menjadi pilihan utama untuk transaksi lintas batas.<\/p>\n<h5 style=\"text-align: justify;\">Jumlah transaksi kartu kredit di Indonesia tumbuh sebesar 21% tahun lalu.<br \/>\nSementara itu, transaksi QRIS melampaui 6 miliar, karena konsumen semakin menerima sistem ini karena efisiensinya. Perlu diketahui saat ini, ada sekitar 57 juta pengguna QRIS.<\/h5>\n<p style=\"text-align: justify;\">Melanjutkan kesuksesannya di dalam negeri, Indonesia telah memperluas QRIS ke luar negeri, di mana masyarakat Indonesia kini dapat menggunakannya di Malaysia, Thailand, dan Singapura. Dan layanan ini terus diperluas ke Tiongkok, India, Jepang, Arab Saudi, dan Korea Selatan.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiiznews \u2013 Banking &amp; Insurance) \u2013 Berdasarkan laporan Bank Indonesia, kinerja transaksi ekonomi dan keuangan digital pada Agustus 2025 berlangsung dengan baik. Hal ini didukung oleh sistem pembayaran yang aman, lancar, dan andal. Volume transaksi pembayaran digital mencapai 4,43 miliar transaksi atau tumbuh 39,79% (yoy) pada Agustus 2025 didukung oleh peningkatan seluruh komponennya. Perlu [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":567430,"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":[9377],"class_list":["post-587045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-news-insight","tag-qris"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>QRIS Indonesia Dinilai Menantang Dominasi Platform Barat - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Ini termasuk transaksi QRIS yang tumbuh 145,07% (yoy). 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