The Impact of QRIS Usage on Economic Growth in Indonesia

Abstract

This research aims to analyze the influence of Quick Response Code Indonesian Standard (QRIS) usage on economic growth in Indonesia. The data used is secondary data from Bank Indonesia and the Central Statistics Agency (BPS) for the period 2019–2024. The research method uses quantitative descriptive analysis through the growth trends of QRIS merchants, users, and transaction values, as well as its contribution to Gross Domestic Product (GDP). The research results show that since its launch, QRIS has experienced rapid growth with an average transaction growth of over 80% per year. This increase has had a positive impact on household consumption, the acceleration of MSME digitalization, and supports financial inclusion. Thus, QRIS has proven to be an important instrument in Indonesia's digital economic transformation.