{
  "id": 9562465,
  "title": "How Many QRIS Users Are There in Indonesia?",
  "url": "https://urgent.news/2026/09/24/how-many-qris-users-are-there-in-indonesia",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-24T13:55:52.000Z",
  "source": {
    "name": "Tempo.co English",
    "slug": "tempo-co-english",
    "url": "https://en.tempo.co/read/2120261/how-many-qris-users-are-there-in-indonesia"
  },
  "original_language": "en",
  "account": "Indonesia's Central Bank estimates that there are around 67 million QRIS users, accounting for about a quarter of the nation's residents. QRIS stands for the Quick Respond Code Indonesian Standard and is the standardized QR-based payment system in Indonesia. This digital payment system has gained popularity, leading to a shift in public preference from cash payments, with a variety of transaction activities utilizing QRIS. However, Bank Indonesia Governor Destry Damayanti emphasizes that cash transactions remain a vital part of the country's payment system and encourages merchants to accept cash alongside QRIS rather than banning it. The current trend is also affecting the growth of fiat currency, with banknotes and coins growing at a slower rate. Due to Indonesia's extensive territory and archipelagic nature, cash continues to play a role in daily life, particularly in remote and outermost regions with limited network access. Therefore, the central bank aims to ensure the availability of banknotes and coins. The Indonesian Payment System Blueprint (BSPI) 2030 focuses on expanding QRIS acceptance, with the central bank targeting 69.32 million users by the end of the year, representing a 20.26 percent annual growth. Bank Indonesia is also strengthening international payment system connectivity by expanding QRIS cross-border. The goal is to enhance the convenience of international payments, aligning with efforts to raise purchasing power and support the government's Asta Cita program. In addition to QRIS, Bank Indonesia is actively promoting the Indonesian Credit Card (KKI), which has seen a significant increase in issuance and activation, reaching 32,457 as of August 2026. Strengthening the payment system industry structure is another priority, with efforts directed towards creating a healthier, more competitive, and resilient industry through expanding payment system integration via the National Standard for Open API Payments (SNAP). As of August 2026, SNAP transactions reached 2.69 billion, growing by 67.16 percent year-on-year. Bank Indonesia is also aiming to enhance payment system infrastructure to meet the growing need for transactions, with retail transaction volume reaching 549 million, a 37.72 percent year-on-year growth. The central bank plans to develop a more scalable and modular BI-FAST system, modernize BI-RTGS, and strengthen data infrastructure to maintain transaction resilience and integrity.",
  "summary": "Bank Indonesia estimates that the number of QRIS in Indonesia has reached approximately 67 million.",
  "key_points": [
    "Indonesia has around 67 million QRIS users, representing a quarter of the population.",
    "QRIS adoption is shifting public preference from cash payments.",
    "Bank Indonesia aims for 69.32 million QRIS users by year-end, with 20.26% annual growth."
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}