QRIS dan Inklusi Keuangan 2021–2025: Pengaruhnya terhadap UMKM, Produktivitas, dan Keamanan Transaksi

Abstract

This study analyzes the development of QRIS (Quick Response Code Indonesian Standard) and financial inclusion from 2021 to 2025, focusing on their impacts on micro, small, and medium enterprises (MSMEs), productivity, and transaction security. Using a qualitative narrative method, the research synthesizes regulatory evolution, user behavior trends, and digital payment adoption across Indonesian MSMEs. Findings indicate that QRIS significantly expanded financial inclusion by simplifying digital payments, increasing MSMEs’ transaction volume, and reducing operational inefficiencies. Productivity improved as businesses adopted cashless systems, yet challenges remain regarding digital literacy and cybersecurity risks. The study concludes that while QRIS strengthens economic participation and operational efficiency, continuous enhancement of security frameworks and user education is crucial for sustainable digital financial transformation.