QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA

Natalios Peter Sipasulta ; Dionysia Kowanda ; Siti Nurafiah
International Journal Management and Economic (IJM... 📅 2026 Vol 5, No 1 🔗 DOI: 10.56127/ijme.v5i1.2535
Abstract
The development of digital payments in Indonesia has shown significant acceleration since the launch of the Quick Response Code Indonesian Standard ( QRIS ). This paper analyzes QRIS's role in facilitating retail transaction efficiency, increasing financial inclusion for MSMEs, and its contribution to digital economic growth. Using a mixed-methods approach (analysis of secondary transactions and merchant data from Bank Indonesia, along with a review of empirical literature and MSME case studies), the paper finds that QRIS adoption correlates with increased digital retail transaction volume, expanded MSME market access, and transaction cost efficiency—factors that collectively support domestic digital economic growth. Policy recommendations focus on strengthening digital infrastructure, enhancing MSME digital literacy, and incentivizing cross-border interoperability. (Bank Indonesia)
Keywords
QRIS; digital payments; MSMEs; inclusion finance; transactions retail; growth digital economy
How to Cite

Natalios Peter Sipasulta, et al. (2026). QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA. International Journal Management and Economic (IJME), 5(1). https://doi.org/10.56127/ijme.v5i1.2535

Natalios Peter Sipasulta; Dionysia Kowanda; Siti Nurafiah, "QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA," International Journal Management and Economic (IJME), vol. 5, no. 1, 2026.

Natalios Peter Sipasulta; Dionysia Kowanda; Siti Nurafiah. "QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA." International Journal Management and Economic (IJME), vol. 5, no. 1, 2026.

Natalios Peter Sipasulta; Dionysia Kowanda; Siti Nurafiah. "QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA." International Journal Management and Economic (IJME) 5, no. 1 (2026).

Natalios Peter Sipasulta, et al. (2026) 'QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA', International Journal Management and Economic (IJME), 5(1). doi: 10.56127/ijme.v5i1.2535.

Natalios Peter Sipasulta; Dionysia Kowanda; Siti Nurafiah. QRIS AS SUPPORTERS AND DRIVERS ECONOMIC GROWTH IN PROCESSING TRANSACTION RETAIL IN THE DIGITAL ERA. International Journal Management and Economic (IJME). 2026;5(1).

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