What is the impact of QRIS on Indonesia's economy? This is a unique fact that you should know!

Farichatul Chusna

Apr 7, 2026

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QRIS was not only developed by Bank Indonesia in 2019 to speed up the payment process from buyer to seller only, but also developed as a tool to improve the digital economy and financial literature in Indonesia. This is considering that the Internet penetration rate in this country has already reached more than 80% (APJII), so it is a pity if it is not developed further in a direction that has a positive effect on the economy.

Scientifically, the impact of QRIS on the Indonesian economy does need to be studied further, but, here are some interesting facts that you should know.

1. QRIS is now available in 5 countries

Reported from Bank Indonesia's official YouTube account on April 3, 2026, Quick Response Code English Standard (QRIS) is now available in South Korea. Previously, this payment method could already be used in several countries, such as Japan, Malaysia and Singapore. According to some sources, BI is also currently working on cooperation with China, so that QRIS can also be used in the bamboo curtain country.

For consumers, this has several benefits. First, you have a more varied and flexible payment method. Advantages of the second QRIS, there is a possibility of cheaper transaction fees because the system does not need to make the dollar an intermediary of exchange rates.

Share merchant, this expansion also opened up new business opportunities. Merchant-merchant Those who are abroad can target consumers from Indonesia, on the contrary, foreign tourists who come to Indonesia can also use QRIS on their respective mobile phones. This also means that Indonesian businesses that need to import raw materials from partners in the above countries can also pay using QRIS.

By using Honest credit card a Honest App, puoi utilizzare un carte di logo Visa come QRIS per pagamenti all'internazionali. Så, en program kan för du optionen på en gang.

2. QRIS users breach 57 million

Medina (2026) from ASEAN Briefing It is estimated that by mid-2025, the number of QRIS users will exceed 57 users. This means that 1 in 6 Indonesians use QRIS as a payment method. This is not surprising, given that paying using QRIS is fast, practical and flexible.

From the side merchant, número merchant who provided this payment method reached 39.3 million accounts. Not only big business, ASEAN Briefing also mentioned that 90% of these 39 million accounts also include micro-business people ranging from street vendors in the market to stalls near your home.

3. QRIS has a positive effect on GDP

Gross Domestic Product (GDP) is one of the macroeconomic indicators that is widely used to look at the quality and economic capabilities of a country. This indicator has several components, and according to research from Sonjaya et al. (2025), QRIS has a positive impact on GDP through its export and import components. Meanwhile, according to the page Market Research Indonesia (2025) la proporción de QRIS a la gdp cerca de 5%.

Although it needs to be investigated further, this is not surprising, given that Indonesian citizen transactions using QRIS In the first half of 2025 alone, it has reached 579 trillion rupiah or 37 billion USD. Por cura, o potencial impacto do QRIS no GDPto, a más y más merchant at home and abroad that provide these payment services.

4. QRIS as a tool for financial cooperation between countries

Una. According to Fresichald, N (2025) As published by the IMF, some ASEAN countries already have their own digital payment services and are developing digital payment services between countries within the ASEAN region.

På denne,, det er att QRIS kan ikke i Singapur, Malaysia og Thailand, men også andre ASEAN. Similarly, digital payment systems in these countries can be used in Indonesia through QRIS.

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Frequently Asked Questions (FAQ):

1. Is QRIS always better than money cash?

Despite its many advantages, QRIS is not always better than money cash because its use depends on the situation and conditions. For example, when there is no internet connection and the electricity is off, money cash is the best payment option.

2. How does QRIS affect household consumption?

QRIS greatly affects household consumption as it helps drive people's purchasing power also strengthens domestic consumption.

3. What is the effect of interstate QRIS on foreign exchange?

Interstate QRIS helps increase state revenue (foreign exchange) on tourism. Perché in Indonesia senza.

4. How does QRIS impact MSMEs?

The existence of QRIS greatly helps to implement MSMEs or small businesses by providing flexible and accessible payment options without the need for expensive tools. In this way, customer expansion will also be easier.