As Indonesia embraces rapid digitalization, QRIS (Quick Response Code Indonesian Standard) is proving to be a game-changer in financial transactions, offering a robust solution to prevent counterfeit money. The Indonesian Hotel and Restaurant Association (PHRI), in collaboration with digital financial technology providers, is championing the benefits of QRIS in enhancing payment security.
Maulana Yusran, the Secretary-General of PHRI, revealed that the adoption of QRIS is on the rise across the country’s hospitality sector. “Currently, around 80 percent of hotels in both urban and rural areas are using QRIS. In restaurants, the adoption rate is even higher, exceeding 80 percent due to its simplicity,” he reported in a statement on Thursday (8/7/2024).
This shift towards QRIS is not just a trend but a significant change in how payments are processed. According to Maulana, QRIS has become an integral part of hotel operations, extending beyond just room bookings to include room service payments. “A few years ago, room service payments were generally handled with cash or EDC machines, but now QRIS is the norm, making transactions quicker and more efficient,” he explained.
The benefits of QRIS extend beyond convenience. Maulana highlighted that the system provides a greater sense of security for both businesses and customers by reducing the risk of dealing with counterfeit money. The decreased reliance on cash has led to a more secure and streamlined payment process.
“With the advancement of digital technology, QRIS payments have become much safer and more straightforward for hotels and restaurants across various regions,” Maulana added.
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However, the transition to QRIS is not without its challenges. Businesses in remote and mountainous areas still struggle with inadequate telecommunications signals, which can affect digital payment processes. Additionally, there are ongoing concerns about potential fraud, including fake QR code stickers, account manipulation, and phishing attempts.
Despite the absence of reported QRIS-related fraud within the PHRI network, Maulana emphasized the need for continued improvements in security measures. “Our message is twofold: first, enhance telecommunications infrastructure, particularly in remote tourist areas; second, strengthen security protocols,” he urged.
Indra, Director of PT Trans Digital Cemerlang (TDC), a company specializing in digital technology services, echoed the sentiment of Bank Indonesia. He noted that QRIS adheres to national standards aligned with international security features. “This ensures robust fraud prevention. However, as Bank Indonesia states, it’s crucial for both providers and users to collaborate on security oversight,” Indra said.
Indra’s company is actively involved in promoting QRIS through initiatives like the Posku Lite product for MSME communities. This includes offering financial literacy support, digital marketing workshops, and other incentives to enhance the adoption of QRIS.
In summary, this technology is transforming financial transactions across Indonesia by providing a secure, efficient, and user-friendly payment solution. As the country continues to advance its digital payment infrastructure, it stands out as a pivotal tool in driving both economic growth and security.
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