Peran QRIS sebagai Pendorong Financial Technology (Fintech) dalam Meningkatkan Inklusi Keuangan

Nugrah Leksono Putri Handayani; Poppy Fitrijanti Soeparan

doi:10.61132/menawan.v3i3.1805

Authors

Nugrah Leksono Putri Handayani Universitas Sains dan Tekonologi Komputer (STEKOM)
Poppy Fitrijanti Soeparan Universitas Sains dan Tekonologi Komputer (STEKOM)

DOI:

https://doi.org/10.61132/menawan.v3i3.1805

Keywords:

Economic transformation, Financial ecosystem, Financial Inclusion, Financial Technology (Fintech), QRIS

Abstract

This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a key driver in the development of Financial Technology (Fintech) that contributes to increasing financial inclusion in Indonesia. Using qualitative methods through a descriptive approach, this study focuses on exploring and understanding phenomena related to QRIS implementation and its impact on the national digital financial ecosystem. Research data was obtained through literature studies from various relevant primary and secondary sources, thus providing a strong theoretical and practical foundation. The results show that QRIS functions as a link between cross-platform digital payment ecosystems, enabling interconnection between service providers, and facilitating non-cash transaction processes in a faster, safer, and more efficient manner. Furthermore, QRIS not only supports the development of financial technology in urban areas but also expands the reach of digital financial services to remote areas that were previously difficult to access by conventional banking services. Thus, QRIS plays a significant role in encouraging public participation in the formal financial system and helping achieve the national financial inclusion targets set by the government. This study concludes that QRIS is a strategic instrument in strengthening the foundation of Indonesia's digital economic transformation. Increasing financial inclusion not only impacts equitable access to financial services but also contributes to more inclusive and sustainable economic growth. These findings illustrate that QRIS is a technological policy innovation with strategic value, not only as a transaction tool but also as a driving force for digital financial integration in the era of national economic transformation. QRIS is a strategic tool in realizing national financial inclusion targets and supporting the vision of transformation towards Indonesia's digital economy.

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