QRIS is Becoming More Popular, What Does It Mean for MSMEs?

Digital payments are increasingly becoming part of daily life in Indonesia. One of the fastest-growing systems is the Quick Response Code Indonesian Standard (QRIS). Through QRIS, users can make payments simply by scanning a QR code using mobile banking apps or digital wallets.

As digital payments grow, QRIS is now widely adopted by Micro, Small, and Medium Enterprises (MSMEs) as a practical, fast, and efficient payment method.

QRIS Transactions Continue to Grow

In recent years, QRIS usage has grown rapidly. This payment system is favored for its convenience, eliminating the need to carry cash.

According to Kontan, in January 2026, QRIS transactions reached 1.83 billion transactions with a total value of IDR 164.48 trillion, an increase of over 100% compared to the same period last year.

This growth shows that digital payments are increasingly accepted across society. QRIS is now widely used not only in malls and large restaurants but also by small businesses such as food stalls, small shops, and street vendors.

Positive Impact of QRIS on MSMEs

The growing popularity of QRIS offers various benefits for MSMEs, especially in supporting digital transformation.

Key benefits include:

Faster and more practical transactions

Customers can pay digitally without needing cash or change, making transactions quicker and more efficient.

Easier financial record-keeping

QRIS transactions are automatically recorded, helping business owners monitor cash flow more effectively.

Increased consumer trust

QRIS is standardized by Bank Indonesia, which enhances security and builds customer confidence.

Supports MSME digitalization

Using QRIS is an important first step for MSMEs to enter the digital ecosystem, both in payments and business management.

QRIS Can Now Be Used Internationally

QRIS is not only growing domestically but is also expanding into cross-border payments. Bank Indonesia continues to collaborate with other countries to enable Indonesians to use QRIS abroad.

With this system, users can make payments by scanning QR codes without needing to exchange cash. This initiative is expected to benefit Indonesian travelers while strengthening the national digital payment system.

A Digital Transformation Momentum for MSMEs

The widespread adoption of QRIS reflects the ongoing transformation in the payment sector. For MSMEs, adopting technologies like QRIS is a strategic move to improve efficiency and adapt to increasingly digital consumer behavior.

With more accessible payment systems, MSMEs have greater opportunities to grow and reach a broader customer base in the digital economy.