Bank Indonesia (BI) recorded that the volume of digital transactions\nusing the Quick Response Code Indonesian Standard, or QRIS, reached\n12.55 billion nationwide during the first half of 2026, representing\ngrowth of 100.12 per cent compared to the same period in 2025.<\/p>\n
\"QRIS serves as a gateway to the digital economy as well as a game\nchanger for the national digital economy and finance,\" said BI Deputy\nGovernor Filianingsih Hendarta on the sidelines of the Prima Executive\nGathering 2026 in Nusa Dua, Badung Regency, Bali, on Thursday.<\/p>\n
According to her, this achievement confirms that digital payments\nhave now become a daily habit for Indonesians. Filianingsih detailed\nthat by the end of June 2026, the value of QRIS transactions had reached\nRp600.69 trillion, growing 89.52 per cent year-on-year. This growth\nsignals that the public is increasingly comfortable leaving cash behind\nand switching to scan-based transactions via smartphones.<\/p>\n
In terms of reach, the service is now used by approximately 66\nmillion people and accepted at 44.86 million merchants across Indonesia.\nThe central bank is targeting 70 million users and 47 million merchants\nby the end of 2026, meaning the mid-year figures already show strong\nmomentum. For transaction volume, the full-year target is set at 17\nbillion, so the 12.55 billion transactions recorded in the first half\nrepresent nearly three-quarters of the goal.<\/p>\n
The majority of QRIS merchants are micro, small, and medium\nenterprises that previously struggled to accept non-cash payments. With\na code that can simply be printed on paper, small traders can now\nreceive payments from various banks and digital wallets. This has also\nhelped drive financial inclusion by broadening public access to formal\nfinancial services.<\/p>\n
She added that QRIS\u2019s strength lies in its integrated infrastructure\nand interoperability across all payment service providers. This allows a\nsingle code to be scanned by applications from any bank or payment\nprovider without obstacles. QRIS is a national quick-response code\nstandard that unifies various payment applications into a single format.\nBefore QRIS existed, each provider had a different code, forcing\nmerchants to display multiple payment stickers. The supporting ecosystem\nfor QRIS has also expanded, now involving 96 banks, 60 non-bank\ninstitutions, and four switching companies that process payment\ntransaction data. This structure demonstrates that connectivity among\nplayers in the national payment system is steadily strengthening.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bi-qris-transactions-hit-12-55-billion-in-first-half-of-2026-1785999343", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }