Strengths and Weaknesses of Using QRIS

 1. Signal Constraints 

As we know, internet signal plays a very important role in QRIS transactions. But if we are in a place with a weak internet signal or run out of internet data packages, the transaction will be hampered.

 2. Limited Transactions

Currently, the QRIS transaction nominal is limited to a maximum of Rp10 million per transaction. However, issuers can set a daily or monthly cumulative nominal limit for transactions made by each QRIS user. So, if the transaction is more than the nominal amount. We still have to use other payment methods. For example, credit cards, debit cards, and so on. 

 3. QRIS Merchants Are Still Limited 

Although it has been widely used by the public, merchants who provide QRIS are still very limited. In particular, in traditional markets, street vendors, or merchants outside JABODETABEK. 

 4. Digital Crime Alert 

Although payments using QRIS are quite safe, we still need to be careful of digital crimes. For example, hacking of QRIS payment accounts, phishing or other QRIS payment scams. Users should always monitor their transaction history and be careful when making purchases.

sources:

Dimas, A. (2022, October 12). Tentang QRIS, Metode Pembayaran Baru & Efeknya Terhadap Bisnis di Indonesia. Retrieved from paper.id: https://www.paper.id/blog/headline/tentang-qris-metode-pembayaran-baru-efeknya-terhadap-bisnis-di-indonesia/

mth. (2021, february 18). Satu QR Code untuk Semua Pembayaran.