The Effectiveness of QRIS Tap in Improving the Speed and Efficiency of Payment Systems in Indonesia

Abstrak

Digital transformation has significantly reshaped Indonesia’s payment system, particularly through the innovation of the Quick Response Code Indonesian Standard (QRIS). The latest development, QRIS Tap based on Near Field Communication (NFC) technology, was introduced to enhance transaction speed and efficiency, especially in high-frequency transaction sectors. This study aims to analyze the concept, mechanism, effectiveness, and implementation challenges of QRIS Tap in improving the performance of the national payment system. The research employs a qualitative method using a literature review approach by collecting and analyzing relevant academic sources related to digital payment systems in Indonesia. The data were examined through thematic analysis to identify patterns and conceptual relationships. The findings indicate that QRIS Tap significantly increases transaction speed compared to conventional QR scanning and cash payments, supported by real-time authorization and encrypted security systems. Its implementation contributes to operational efficiency, interoperability among payment service providers, and broader financial inclusion. However, several challenges remain, including limited NFC-enabled devices, infrastructure readiness, digital literacy gaps, and cybersecurity concerns. Therefore, strengthening infrastructure, enhancing data protection regulations, and promoting public digital literacy are essential to ensure the optimal and sustainable implementation of QRIS Tap.