Analysis of the Implementation of the QRIS Digital Payment System Policy in Improving the Efficiency and Security of Digital Transactions

Abstrak

The rapid development of digital payment systems in Indonesia has encouraged Bank Indonesia to introduce QRIS (Quick Response Code Indonesian Standard) as a national QR-based payment standard to enhance transaction efficiency and security. This study aims to analyze the implementation of QRIS policy in Pekalongan City and its impact on digital transaction efficiency and security. A descriptive qualitative approach was employed, using observation, in-depth interviews, and documentation involving MSMEs, consumers, and banking institutions. Data were analyzed through data reduction, presentation, and conclusion drawing. The findings indicate that QRIS improves transaction speed and convenience, reduces operational costs, and minimizes payment errors. In terms of security, QRIS ensures data protection and transparent transaction records, although challenges remain, including limited digital literacy and unstable internet connectivity. It is concluded that QRIS implementation is effective in enhancing digital transaction efficiency and security. Strengthening digital literacy programs, improving network infrastructure, and providing continuous assistance for business actors are recommended to support sustainable digital payment transformation.