The Existence of Quick Response Code Indonesian Standard (QRIS) as a National Product in International Economic Competition
DOI:
https://doi.org/10.62734/jurnalpuspaka.v1i3.618Keywords:
QRIS, Economic Independence, National Economic Independence, Financial DigitalizationAbstract
This study aims to analyze the strategic contribution of the Quick Response Code Indonesian Standard (QRIS) in supporting Indonesia's economic sovereignty amid the dominance of foreign payment systems. This study uses a qualitative method with a case study approach to the dynamics of international pressure on the sustainability of QRIS, especially from the United States. Data is obtained through a review of actual news and official documents from Bank Indonesia. The findings show that QRIS not only encourages transaction efficiency and expansion of financial access, but also strengthens the independence of the national financial system. Cross-country cooperation shows the potential of QRIS as a regional economic hub. The conclusion of this study confirms that QRIS is a significant domestic innovation in building competitiveness and economic sovereignty in the digital era.
Downloads
References
Andhika, Muchammad Milladi, Mintarti Ariani, and Bambang Budiarto. 2025. "THE CHALLENGE OF TECHNOLOGICAL DEVELOPMENT THROUGH THE QRIS PAYMENT METHOD FOR UMKM AND CONSUMERS." Scientific Journal of Management, Economics, & Accounting (MEA) 9(1):1522–39. doi: 10.31955/ mea.v9i1.5233.
Basorudin, Muhammad, Harwin Dwi, Hartini Sri, Gantjang Amannullah, and Hamid Rachmadani. 2021. "The Vulnerable Financial Issue: Capital Flight in Indonesia." The European Journal of Applied Economics 18(1):89–105. doi: 10.5937/EJAE18-26921.
Chrysnaputra, Rudhy Dwi, Wahyoe Pangestoeti, and Mochammad Yusuf Wijaya. 2021. "THE ROLE AND FUNCTION OF ISLAMIC ENTREPRENEURSHIP IN INDONESIA'S ECONOMIC DEVELOPMENT." Al Iqtishod: Journal of Islamic Economics 3(1):28–48. doi: https://doi.org/10.51339/iqtis.v3i1.301.
Dedi Atmi Suganda. 2024. "The Effect of Non-Traditional Monetary Policy on Economic Stability in Developing Countries: A Meta-Analysis Approach." Equivalent: Journal of Economic, Accounting and Management 2(2s):27-47. doi: 10.61994/equivalent.v2i2s.722.
BI Communication Department. 2024. "QRIS Cross-border Transaction Solution." www.bi.go.id, January 1.
Dewi, Radix Prima. 2019. "CASE STUDY - QUALITATIVE RESEARCH METHODS."
Gede Hendrayana, I., Degdo Suprayitno, Loso Judijanto, Ferry Kosadi, Sri Yani Kusumastuti, and Sepriano. 2024. E-Money: A Complete Guide to the Use and Benefits of E-Money in the Digital Era. Jambi: Sonpedia Publishing Indonesia.
Harry Mulya Zein, Muhamad, and Sisca Septiani. 2023. Development Theory and Policy. Serang: Sada Kurnia Pustaka.
Hutabarat, Leonard. 2023. "INDONESIAN DIPLOMACY OF SOUTH-SOUTH COOPERATION TO ACHIEVE SUSTAINABLE DEVELOPMENT GOALS 2030." Sociae Polites 23(2):140–51. doi: 10.33541/ sp.v23i2.4446.
Jusman, Jumriaty, and Ika Fauziah. 2024a. "Receptiveness of QRIS as a Digital Payment Among MSMEs in Palopo City." Interdiciplinary Journal and Hummanity (INJURITY) 3(10):718–28. doi: 10.58631/ injurity.v3i10.1234.
Jusman, Jumriaty, and Ika Fauziah. 2024b. "Receptiveness of QRIS as a Digital Payment Among MSMEs in Palopo City." Interdiciplinary Journal and Hummanity (INJURITY) 3(10):718–28. doi: 10.58631/ injurity.v3i10.1234.
Kumajas, Lydia Ivana, David Paul Elia Saerang, Joubert Baren Maramis, Lucky Otto Herman Dotulong, and Djurwati Soepeno. 2022. "THE CONTRADICTIONS OF SUSTAINABLE FINANCE: A LITERATURE REVIEW." EMBA Journal: Journal of Economic, Management, Business and Accounting Research 10(2):1034–41. doi: 10.35794/ emba.v10i2.41356.
Laili, Nur. 2021. "ANALYSIS OF COMPETITIVE POWER AND FACTORS AFFECTING THE EXPORTATION OF INDONESIA'S FOOTWEAR PRODUCTS TO THE UNITED STATES IN THE PERSPECTIVE OF ISLAMIC ECONOMICS." Scientific Journal of Islamic Economics 7(2):1019–29. doi: 10.29040/ jiei.v7i2.2385.
Lu'ay Natswa, Salsabilla and Subagyo. 2024. "Gen Z's Cashless Behavior: How QRIS Moderating Digital Financial Literacy and Spending Behavior Affects on E-Wallet Utilization?" KnE Social Sciences. doi: 10.18502/ kss.v9i4.15078.
Muditomo, Arianto, and Novita Setyawati. 2022. "Digital Transformation of Small Medium Enterprises: A Descriptive Analysis of Quick Response Indonesia Standard Data." Jambura Equilibrium Journal 4(2):49–57. doi: 10.37479/ jej.v4i2.13918.
Muhlashin, Ias. 2021. "Rule of Law, Democracy and Law Enforcement in Indonesia." Al-Qadau Journal: Islamic Justice and Family Law 8(1):87–100. doi: 10.24252/al-qadau.v8i1.18114.
Murtinu, Samuele, Vittoria G. Scalera, and Roger Strange. 2023. "Cross-border Acquisitions by Sovereign Wealth Funds: A Legitimacy-based View." Global Strategy Journal 13(4):888–926. doi: 10.1002/gsj.1496.
Muzhafar, Muhammad Daffa, Abdul Hafidz Alhakam, Aprillia Farchatun Nikmah, Syarifah Nurasyiqin, and Muhammad Fahrur Rozi. 2025. "Maqashid Syariah Review of the Role of Fintech in Qris Payment for Umkm in Sapen Hamlet, Demangan Village, Yogyakarta." Az-Zarqa': Journal of Islamic Business Law 5(1). doi: 10.14421/0kcknq91.
Nia Monica Putri, Idham Lakoni, and Sintia Safrianti. 2023. "THE INFLUENCE OF FINANCIAL LITERACY, CONVENIENCE AND TRUST ON TRANSACTION DECISIONS USING QRIS ON UMKM IN BENGKULU CITY." E-Business: Scientific Journal of Economics and Business 16(2):356–64. doi: 10.51903/e-bisnis.v16i2.1259.
Nurhamid, and Hotman Tohir Pohan. t.t. "THE EFFECT OF BANK HEALTH LEVEL ON FINANCIAL INCLUSION." Syntax Literate ; Indonesian Scientific Journal 7(12):19095–115. doi: https://doi.org/10.36418/syntax-literate.v7i12.11191.
Oktavia, Oktavia, Muhammad Riziq Noval, Rizka Hanipah, and Melani Fitriya Handayani. 2023. “ The Impact of the Boycott of American Products on the Indonesian Economy." Journal of Mutiara Ilmu Akuntansi 2(1):318–23. doi: 10.55606/ jumia.v2i1.2377.
Permata Sari, Cut Dhea, and Hendra Ibrahim. 2023. "The Role of Politics in the Formation of International Trade Policy (Comparative Study Between Developed and Developing Countries)." Journal of Minfo Polgan 12(2):2464–73. doi: 10.33395/ jmp.v12i2.13291.
Pratiwi, Puteri Ayu, Rosdiana Mata, and Putri Ariyani Anwar. 2022. "Study on the Effectiveness of Bank Indonesia's QRIS Payment System Policy Office of East Nusa Tenggara Province in Supporting MSME Economic Growth." Retrieved from. 354–59 in Proceedings of the International Conference on Applied Science and Technology on Social Science 2022 (iCAST-SS 2022). Vol. 719, Advances in Social Science, Education and Humanities Research, edited by A. Azizah and E. D. Ariyani. Paris: Atlantis Press SARL.
Purwaningsih, Mardiana, Aini Mawar Mardiyah, Yusuf Nur Fajar, Nisna Hendrawati Capsa, Rizon Roken Gurning, and Abigayl Priscyla Riwoe. 2024. “ Analysis of Increased QRIS Usage Using Linear Regression Method." FIFO Scientific Journal 15(2):167–76. doi: 10.22441/ fifo.2023.v15i2.008.
Rajković, Miloš, Predrag Bjelić, Danijela Jaćimović, and Miroslav Verbič. 2020. "The Impact of the Exchange Rate on the Foreign Trade Imbalance during the Economic Crisis in the New EU Member States and the Western Balkan Countries." Economic Research-Ekonomska Istraživanja 33(1):182–203. doi: 10.1080/1331677X.2019.1708771.
Rijanto, Arief. 2022. "Political Connection Status Decisions and Benefits for Firms Experiencing Financial Difficulties in Emerging Markets." Problems and Perspectives in Management 20(3):164–77. doi: 10.21511/ppm.20(3).2022.14.
Rudolf, Alvaro Clementino. 2024. "Analysis of the Influence of Consumer Trust, Perceived Benefits, and Usage Risks on QRIS User Satisfaction with Ease of Use as a Mediating Variable: A Case Study of Jatinegara District, East Jakarta." Journal of Economics, Finance And Management Studies 07(10):6592–96. doi: 10.47191/ jefms/v7-i10-53.
Rusadi, Udi. 2015. Media Studies: Ideological Issues in Perspective, Theory, and Method. Depok: Raja Grafindo Persada.
Sholihah, Erlinda, and Risma Nurhapsari. 2023. “ Accelerating Digital Payment Implementation in MSMEs: QRIS User Intention Based on the Technology Acceptance Model." Nominal Barometer of Accounting and Management Research 12(1):1–12. doi: 10.21831/ nominal.v12i1.52480.
Suriyani, Yulia Irma, and Lukman Effendy. 2023. "The Role of QRIS Use in Moderating the Effect of Parking Retribution Deposit System on the Compliance of Retribution Collectors." Journal of Accounting Manado (JAIM) 4(3):511–24. doi: 10.53682/jaim.vi.7782.
Toti, Felix. 2024. "The Effects of Economic Globalization on Indigenous Communities." IJHSS: International Journal of Humanity and Social Sciences 2(3):1–14. doi: https://doi.org/10.47941/ijhss.1782.
Usmiati, Usmiati, Nuril Huda, and Meiske Claudia. 2024. "QRIS, BLOCKCHAIN, AI, AND IOT: ENHANCING E-COMMERCE TRANSACTION SECURITY." International Conference of Business and Social Sciences 4(1):1013–23. doi: 10.24034/ icobuss.v4i1.584.
Zoidze, Gia, and Shota Veshapidze. 2022. "TRANSFORMATION OF ECONOMIC POLICY PRIORITIES UNDER COVID-19." Three Seas Economic Journal 3(2):35–43. doi: 10.30525/2661-5150/2022-2-5.
Downloads
-
PDF
Abstract
View: 61,
PDF
Download: 18
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Ahmad Rizal Roby Ananta, Muhammad Asrul Maulana, Savira Risti, Vara Yuniar Abela, Cici Fanisa Yulia Dwi Jayanti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
