Encouraging MSME Digitalization Through Introduction and Assistance of the QRIS Digital Payment System

Abstract

In the digital age, traditional payments have shifted to digital payments, which offer convenience through methods such as credit cards, digital wallets, and QR code transfers. While this transformation brings benefits, challenges such as data protection and system issues remain. In Indonesia, digital payments are growing in line with increasing internet penetration, but areas with low digital literacy face obstacles in accessing its benefits. Digital banking can help local economies and MSMEs, although the gap between rural and urban areas still exists due to uneven infrastructure. Banks need to invest in digital systems to improve service accessibility and efficiency