The Development Of Qris Technology In Driving Digital Payment Transformation In Indonesia: Literature Review

Abstract

This literature review discusses digital transformation through the implementation of the Quick Response Code Indonesian Standard (QRIS) as a national digital payment instrument. The research method used is a Systematic Literature Review (SLR) to identify and launch previous studies related to the use of QRIS in promoting financial inclusion and transaction efficiency by searching using Scopus, Web of Science, and Google Scholar published within the last 10 years. The implementation of QRIS provides convenience for businesses and consumers through practical, fast, and secure transactions, and supports more transparent financial records. This literature review also explains the main advantages of QRIS lie in interoperability, transparent costs, and a high level of trust due to being under the regulations of Bank Indonesia and the Financial Services Authority. Thus, QRIS has proven to be an inclusive digital payment solution and an important pillar in realizing an integrated and competitive national digital financial ecosystem.