A CASHLESS SOCIETY
Why should be scaled out
Naskar F. Hansam | EAP 5WA
BENEFITS OF USING QRIS
No need to carry cash
Pay with any displayed
Protected, all service
and supervised by Bank
sale as any QR-based
Practical, only one
No changes needed
and monitored anytime
The rapid advancement of digital technology in the
last few years has contributed to the changes of
business environment including in business
processes, products, and services consequently
urging business entities to undergo digital
transformation (Karimi & Walter, 2015; Hartl & Hess,
2017 in Bakar et al, 2022).
QRIS is an important discourse because it supports
the realization of Indonesia’s Payment System
Vision 2025 which will “connect 91.3 million
unbanked people and 62.9 million Micro, Small, and
Medium Enterprises (MSMEs) to formal economy
and ﬁnance” in a sustainable manner (Bank
QRIS adoption is low
Villages not connected to
SECURITY ISSUES LACK OF
QRIS is an interoperable, Quick Response (QR)
code-based payment system launched by Bank of
Indonesia and the Indonesian Payment System
Association as an effort to universalize cashless
payment in Indonesia (Nada, Suryaningsum,
OPPORTUNITIES AND SOLUTIONS
use mobile phones
to access internet
As all service providers
registered and supervised by
Bank of Indonesia, QRIS wiil
not infringe users’ privacy
and digital security including
Ani Safwanah, B., Awang Ahmad, D. F., Sali, N. A., and AL Munawar, M. N. (2022). Identifying success factors of
digital transformation. In Digital Transformation Management (pp. 16–37). Routledge.
Aprilianti, I., et al. (2022). Assessment of the implementation and usage of QRIS among small and micro merchants
in Indonesia. MicroSave Consulting.
Lonardi, H., & Legowo, N. (2021). Analysis of factors affecting use behaviour of QRIS payment system in DKI
Jakarta. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(6), 3709–3728.
Silaen, M. F., Manurung, S., & Nainggolan, C. D. (2021). Effect analysis of beneﬁt perception, ease perception,
security, and risk perception of merchant interest in using Quick Response Indonesian Standard (QRIS).
International Journal of Science, Technology & Management, 2(5), 1574–1581.
A variety of manuals
are available in
This is not a QRIS. This is
simply a QR code. Scan it to
read the full essay.