Why Gen Z Prefers Using QRIS: Here Are 4 Reasons
Jakarta (ANTARA) - Generation Z is known as digital natives who favour everything that is fast, practical, and efficient. This characteristic has a significant impact on their lifestyle trends, including daily financial transactions. The habit of carrying cash is increasingly being abandoned.
In its place, QR code-based payment methods—specifically the Quick Response Code Indonesian Standard (QRIS)—have successfully dominated the transaction preferences of Indonesia’s youth. Since its launch by Bank Indonesia, QRIS has evolved not merely as a payment tool, but as part of Gen Z’s digital transaction identity. So, what makes this method so popular among the younger generation?
- Practical and hassle-free
For Gen Z, time efficiency is everything. Paying in cash often takes time, ranging from waiting for change to counting banknotes. With QRIS, transactions are completed in seconds. Users simply open their m-banking or digital wallet application, scan the QR code at the cashier, enter their PIN, and the payment is successful.
- Universal compatibility
One of the greatest advantages of QRIS most appreciated by Gen Z is its universal nature. Before QRIS, every e-wallet provider had its own QR code, which resulted in cashier counters being cluttered with stacks of payment acrylics. Now, a single QRIS code can accept payments from any application, whether from banking or digital wallets. This flexibility is highly convenient for Gen Z, who often maintain more than one financial application.
Ease of access across various merchants he ease of QRIS can now be found anywhere. From trendy cafes and music festivals to supermarkets, even street vendors and MSMEs in traditional markets now provide QRIS. This wide reach makes it easy for Gen Z to adopt a fully cashless lifestyle without worrying about transaction failures.
Automated financial recording
Gen Z is also increasingly aware of the importance of financial awareness. Every QRIS transaction is automatically recorded in the application’s transaction history. This makes it easier for them to track daily expenses, evaluate monthly budgets, and avoid consumptive behaviour without the need for manual recording.
The ease of digital interaction and seamless technological integration makes QRIS the primary choice for Gen Z. This trend is not only changing the behaviour of young consumers but is also accelerating the formation of an inclusive and efficient cashless society ecosystem in Indonesia.