Analisa Hukum Regulasi Keuangan Digital Penerapan QRIS (Quick Response Code Indonesia Standard) di bank di Indonesia

Elba Zuhdi; Moh. Taufik; Sanusi Sanusi

doi:10.61132/anggaran.v4i3.2499

Authors

Elba Zuhdi Universitas Pancasakti Tegal
Moh. Taufik Universitas Pancasakti Tegal
Sanusi Sanusi Universitas Pancasakti Tegal

DOI:

https://doi.org/10.61132/anggaran.v4i3.2499

Keywords:

Digital Financial Regulation, Electronic Money, Financial Inclusion, QRIS, Regulatory Policy

Abstract

Information technology used by banks in Indonesia includes core banking systems and front-end applications such as e-banking, APMK (Card-Based Payment Instruments), and electronic money. Electronic money is used as a means of payment and is a relatively new alternative compared to APMK, which consists of credit cards, ATM cards (Automated Teller Machines), or debit cards. Indonesia is one of the countries that uses electronic money, and this policy regulation is based on a policy issued by Bank Indonesia, namely Bank Indonesia Regulation Number: 11/12/PBI/2009 concerning Electronic Money. This can be said that Indonesia has recognized the use of electronic money. The purpose of this research is to analyze the legal regulations of Digital Financial Regulations for the implementation of QRIS (Quick Response Code Indonesia Standard) in banks in Indonesia as well as the advantages and disadvantages of using QRIS. This type of research is library research, with an empirical juridical approach. QRIS implementation aligns with the principles of efficiency, fair distribution, and fair business competition from the perspective of Indonesian economic law. QRIS standardization increases financial inclusion and reduces transaction costs through certain fee waivers or adjustments. Furthermore, QRIS helps achieve the goal of sustainable national economic development by balancing financial technology innovation with financial system stability.

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