Strengths and Weaknesses of Using QRIS

As the times develop, technology is also growing, as well as buying and selling transactions, which in the past used a barter system to turn into cash and now use digital payments or more commonly known as QRIS (Quick Response Code Indonesia Standard). With the existence of non-cash payments using the QR Code, it will facilitate transactions made between sellers and buyers by scanning the barcode that has been provided by the seller. The QRIS payment method reaches various merchants and also mobile banking applications or digital wallets. QRIS is practical because it is universal because it unites QR from various Payment System Service Providers (PJSP), for example such as Ovo, GoPay, Dana and LinkAja. (mth, 2021).

Pramesthi (2022) explains that QRIS itself has a fairly positive performance. Total transactions using the QRIS payment method almost touched 79 million transactions or a total transaction value of 9 trillion rupiah. (Dimas, 2022). With the positive performance possessed by QRIS, there are several advantages that make QRIS the most popular payment method including the following. 

 1. Usable by Anyone 

All Indonesians can use QRIS as a payment method. Not only in big stores, we can now find the QRIS method in small shops or cart vendors. 

 2. Easier Transactions 

With QRIS you no longer need to bother about change, scattered change, less money, or other problems. By using QRIS you only need a cellphone to make transactions. 

 3. Efficiency of the Payment System 

One QR code for all applications. This method is very efficient and the money will go directly to the merchant's account. Your payment also cannot be manipulated by irresponsible parties. 

 4. Fast Transactions 

The transaction process with QRIS is only a matter of seconds, your transaction will be successfully recorded and you can take home the items you spend. 

However, not only does it have advantages, there are also some disadvantages that users must pay attention to when using QRIS. Some disadvantages of shopping using QRIS can be in the form of difficulties and obstacles when we shop offline. Here are some of the disadvantages of shopping 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.

Pramesthi, N. A. (2022, February 25). Apa Itu QRIS? Kelebihan, Kekurangan & Cara Menggunakannya. Retrieved from goldenfast.net: https://www.goldenfast.net/blog/apa-itu-qris/

wulan. (2022, september 28). cerdas belanja. Retrieved from Ini Kekurangan Belanja Pakai QRIS, Tetap Harus Waspada Penipuan?: https://cerdasbelanja.grid.id/read/523499672/ini-kekurangan-belanja-pakai-qris-tetap-harus-waspada-penipuan?page=2