Bank Indonesia: QRIS Becomes Main Entry Point for MSMEs into Digital Financial Ecosystem
Bank Indonesia (BI) noted that as of June 2026, QRIS has been used by 65.77 million users and accepted by 44.86 million merchants, 96.68 per cent of which are MSMEs. BI believes that the expansion of QRIS not only facilitates transactions but also encourages MSMEs to become increasingly connected to the digital economic and financial ecosystem.
“QRIS is no longer merely a fast, easy, cheap, safe, and reliable digital payment tool, but has become the main entry point for MSMEs into the digital financial ecosystem,” said BI Deputy Governor Filianingsih Hendarta in Jakarta on Friday (21/8/2026).
Digital transformation is seen as increasingly important for improving productivity, expanding markets, and encouraging MSMEs to move up the value chain amid the rapid development of the digital economy.
To this end, BI continues to encourage MSMEs to go digital through three main strategies: e-farming through digital farming to improve productivity and efficiency, e-commerce through MSME onboarding to expand digital market access, and e-financing through the Financial Information Recording Application Information System (SIAPIK) to strengthen financial report recording and access to financing.
Filianingsih emphasised the importance of strengthening the digital innovation ecosystem to drive MSME transformation and competitiveness.
BI continues to reinforce these efforts, including through the development of the Indonesia Digital Innovation Centre (PIDI), which connects talent, innovators, industry, government, and strategic partners to produce relevant digital solutions that can be applied in the real sector, including MSMEs.
PIDI represents a synergy between BI, the Financial Services Authority (OJK), and strategic partners in accelerating innovation and national digital talent development.
For MSMEs, PIDI serves as a platform for producing applied digital solutions that are easy to adopt and can be widely replicated to improve productivity and efficiency, as well as expand market access and financing.
“With empowered talent, implementable innovation, and a mutually reinforcing ecosystem, we are optimistic that Indonesian MSMEs will continue to transform, grow, and move up the value chain, as well as support increasingly inclusive and sustainable economic growth,” said Filianingsih.
On Friday (21/8/2026), BI held an Innovation Talk titled “Accelerating MSME Digital Transformation: Integrating Digital Innovation Towards MSME Advancement” as part of the 2026 Karya Kreatif Indonesia (KKI) series.