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Towards a cashless society (poster).pdf

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Towards a cashless society (poster).pdf

  1. 1. TOWARDS A CASHLESS SOCIETY Why should be scaled out more widely Naskar F. Hansam | EAP 5WA BENEFITS OF USING QRIS FOR USERS Fast, seamless transaction No need to carry cash Pay with any displayed QRIS Protected, all service providers registered and supervised by Bank of Indonesia Potentially improve sale as any QR-based payment accepted Improve brand awarness Practical, only one QRIS needed Reduce cash management cost Counterfeit money avoided No changes needed All transaction automatically recorded and monitored anytime FOR MERCHANTS 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 Indonesia, 2019). BACKGROUND QRIS adoption is low CHALLENGE Slow internet connection and uncovered areas 12.548 Villages not connected to the internet GAP IN CONNECTEDNESS SECURITY ISSUES LACK OF AWARENESS AND LOW DIGITAL LITERACY COMPLICATED SIGNUP PROCESS AND UNSUSTAINED POST SIGNUP SUPPORT 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, Negara, 2021). OPPORTUNITIES AND SOLUTIONS KEY REFERENCES Internet Users 204.7 million vs. population 73.7% 91% use mobile phones to access internet www As all service providers registered and supervised by Bank of Indonesia, QRIS wiil not infringe users’ privacy and digital security including personal identifiable information. 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. https://doi.org/10.4324/9781003224532-2 Aprilianti, I., et al. (2022). Assessment of the implementation and usage of QRIS among small and micro merchants in Indonesia. MicroSave Consulting. https://www.microsave.net/wp-content/uploads/2022/07/220722_QRIS-assessment_Report_Final.pdf 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. https://turcomat.org/index.php/turkbilmat/article/view/7168 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. https://doi.org/10.46729/IJSTM.V2I5.313 National Digital Literacy Movement A variety of manuals are available in various formats This is not a QRIS. This is simply a QR code. Scan it to read the full essay.

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