Jakarta, January 6, 2025 – In a historic step to accelerate national financial inclusion situs slot depo 5k & slot gacor qris, the Indonesian government has officially introduced a fee-free policy for QRIS (Quick Response Code Indonesian Standard). This policy is part of the government’s ongoing efforts to create a digital economic ecosystem that is inclusive, efficient, and supportive of the growth of micro, small, and medium enterprises (MSMEs).
QRIS was initially introduced by Bank Indonesia as the national standard for QR code-based payments. This technology enables businesses and the public to conduct transactions quickly, easily, and securely through an integrated system. The implementation of fee-free QRIS marks a significant improvement from the previous policy, where small transaction fees were applied. Now, with the removal of these fees, the government aims to encourage more people to participate in the digital economy without financial barriers.
Welcoming a New Era of Financial Inclusion
In his inauguration speech in Jakarta, the President of the Republic of Indonesia stated that the fee-free QRIS policy is a tangible step toward accelerating digital transformation in Indonesia. “We want to ensure that every citizen, from Sabang to Merauke, has equal access to modern financial technology. With fee-free QRIS, we are not only removing financial barriers but also encouraging more people to participate in the digital economy,” the President said.
The Governor of Bank Indonesia added that this policy aligns with the government’s vision to position Indonesia as the largest digital economy hub in Southeast Asia. In recent years, the use of digital transactions has increased significantly. However, transaction fees have often been a barrier for the public, particularly MSMEs, to fully adopt modern payment technologies.
“With this policy, we hope more small and medium businesses will utilize QRIS as a tool to expand their businesses and improve operational efficiency. This is a concrete form of government support for MSMEs,” the Governor remarked.
Direct Benefits for MSMEs
The MSME sector, which serves as the backbone of Indonesia’s economy, is expected to be the biggest beneficiary of this policy. With over 64 million MSMEs spread across the country, the removal of transaction fees through QRIS will help enhance their competitiveness.
Budi, a food vendor in Yogyakarta, expressed his enthusiasm for the policy. “As a small trader, I often felt burdened by digital transaction fees. Fee-free QRIS gives me more confidence to use digital payments because there are no additional costs cutting into my profits,” he said.
Furthermore, this policy is expected to encourage more informal businesses to transition to digital payment systems. In doing so, they can become part of a broader formal financial ecosystem, eventually gaining access to other financial services such as business loans and insurance.
Raising Awareness and Adoption of QRIS
To ensure the success of this policy, the government and Bank Indonesia will launch nationwide education and promotion campaigns. These campaigns aim to increase public awareness of the benefits of fee-free QRIS and encourage its wider adoption across all levels of society.
“We will collaborate with local governments, MSME communities, and industry players to ensure everyone understands the benefits of QRIS and can use it easily,” said a representative from Bank Indonesia. “We will also provide training and assistance for business operators who are new to this technology.”
A Step Towards a Digital Economy Future
The fee-free QRIS policy is part of the government’s broader effort to build an inclusive and accessible financial system for all. In the coming years, more similar innovations are expected to accelerate digital transformation in Indonesia.
In addition to economic benefits, this policy has significant social impacts. With easier transactions and no additional costs, people can save more on daily expenses. This will enhance their purchasing power, which in turn drives broader economic growth.
Public Enthusiasm
The policy has been warmly received by various segments of society. From small business operators to consumers, everyone feels the immediate benefits of removing fees on QRIS transactions.
“I now use QRIS payments more often for daily shopping. It’s not only practical, but I also don’t have to worry about additional fees. This really helps,” said Anita, a housewife in Bandung.
Conclusion
With the introduction of fee-free QRIS, the government demonstrates its commitment to creating an inclusive and equitable economic ecosystem. This step is expected to bring significant benefits to society, enhance the competitiveness of MSMEs, and accelerate digital transformation in Indonesia.
This policy is tangible proof that with the right innovation and policies, Indonesia can stride forward toward a brighter future. The government invites all citizens to utilize fee-free QRIS as part of the collective journey toward a more advanced, prosperous, and inclusive Indonesia.
