{"id":26849,"date":"2026-08-17T13:14:43","date_gmt":"2026-08-17T06:14:43","guid":{"rendered":"https:\/\/businessupdate.id\/?p=26849"},"modified":"2026-08-17T13:14:45","modified_gmt":"2026-08-17T06:14:45","slug":"bi-terbitkan-kartu-kredit-indonesia-untuk-masyarakat-umum","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=26849","title":{"rendered":"BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Bank Indonesia (BI) bersama Asosiasi Sistem Pembayaran Indonesia (ASPI) meluncurkan Kartu Kredit Indonesia (KKI) untuk segmen ritel atau masyarakat umum sebagai alternatif pembayaran <em>deferred payment<\/em> domestik. KKI menjadi alternatif instrumen pembayaran domestik yang efisien, prudent, dan terintegrasi dengan infrastruktur sistem pembayaran nasional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKehadiran skema domestik ini memberikan ruang yang lebih luas bagi pelaku usaha untuk masuk dalam ekosistem digital dan menyediakan alternatif fasilitas kredit untuk menopang konsumsi masyarakat,\u201d kata Destry Damayanti, Pejabat Gubernur Sementara BI, di Jakarta, Senin (17\/8\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, KKI sebelumnya hanya diterbitkan untuk segmen pemerintah yang diperuntukkan bagi satuan kerja pemerintah pusat dan daerah untuk mendukung transaksi belanja pemerintah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kini, KKI dapat digunakan oleh individu dan korporasi, baik untuk layanan konvensional maupun syariah, sesuai dengan produk yang disediakan oleh penyelenggara jasa pembayaran (PJP) penerbit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">KKI dikembangkan oleh BI bersama ASPI yang didukung oleh Asosiasi Kartu Kredit Indonesia (AKKI), PJP penerbit dan penyelenggara infrastruktur sistem pembayaran (PIP).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kepala Departemen Kebijakan Sistem Pembayaran BI Ryan Rizaldy menjelaskan bahwa KKI dikembangkan secara bertahap. Untuk tahap awal, KKI tersedia dalam bentuk kartu digital dan dapat digunakan sebagai sumber dana untuk transaksi melalui ekosistem QRIS, yaitu QRIS Merchant Presented Mode (MPM), QRIS Customer Presented Mode (CPM), dan QRIS TAP.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selanjutnya, KKI akan dikembangkan secara bertahap untuk memfasilitasi transaksi online melalui <em>online payment<\/em> serta transaksi offline menggunakan kartu fisik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cPada tahap awal, yaitu hari ini 17 Agustus 2026, Kartu Kredit Indonesia diterbitkan dalam bentuk kartu digital sebagai sumber dana transaksi QRIS. Transaksi bisa dilakukan dengan QRIS Scan ataupun QRIS Tap,\u201d kata Rizaldy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada implementasi tahap awal, terdapat tujuh PJP <em>first mover<\/em> penerbit KKI antara lain BCA, Bank Mandiri, BNI, BRI, CIMB Niaga, Permata Bank, dan Bank Mega, serta satu PJP next mover yaitu BSI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rizaldy mengatakan, BI terus mendorong peningkatan efisiensi transaksi, perluasan akses pembayaran digital, serta penyediaan instrumen pembayaran domestik yang semakin beragam. Hal tersebut untuk memberikan ruang yang lebih besar bagi masyarakat untuk bertransaksi secara aman, mudah, dan efisien, sekaligus memperkuat aktivitas ekonomi nasional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Langkah ini sejalan dengan Blueprint Sistem Pembayaran Indonesia (BSPI) 2030 dan visi Asta Cita Pemerintah dalam memperkuat peran sistem pembayaran sebagai penggerak pertumbuhan ekonomi yang inklusif, efisien, dan berkelanjutan. (pa\/jh. Foto: Dok. Antara)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Bank Indonesia (BI) bersama Asosiasi Sistem Pembayaran Indonesia (ASPI) meluncurkan Kartu Kredit Indonesia (KKI) untuk segmen ritel atau masyarakat umum sebagai alternatif pembayaran deferred payment domestik. KKI menjadi alternatif instrumen pembayaran domestik yang efisien, prudent, dan terintegrasi dengan infrastruktur sistem pembayaran nasional. \u201cKehadiran skema domestik ini memberikan ruang yang lebih luas bagi pelaku [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":26850,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[12628,97,12627,1297],"class_list":["post-26849","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-aspi","tag-bank-indonesia","tag-kartu-kredit-indonesia","tag-ritel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=26849\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Bank Indonesia (BI) bersama Asosiasi Sistem Pembayaran Indonesia (ASPI) meluncurkan Kartu Kredit Indonesia (KKI) untuk segmen ritel atau masyarakat umum sebagai alternatif pembayaran deferred payment domestik. KKI menjadi alternatif instrumen pembayaran domestik yang efisien, prudent, dan terintegrasi dengan infrastruktur sistem pembayaran nasional. \u201cKehadiran skema domestik ini memberikan ruang yang lebih luas bagi pelaku [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=26849\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-17T06:14:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-17T06:14:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/08\/kartu-kredit-indonesia-BI-e1786947266126.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Premieri A\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=26849\",\"url\":\"https:\/\/businessupdate.id\/?p=26849\",\"name\":\"BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-08-17T06:14:43+00:00\",\"dateModified\":\"2026-08-17T06:14:45+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=26849#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=26849\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=26849#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=26849","og_locale":"en_US","og_type":"article","og_title":"BI Terbitkan Kartu Kredit Indonesia untuk Masyarakat Umum - Businessupdate.id","og_description":"BusinessUpdate &#8211; Bank Indonesia (BI) bersama Asosiasi Sistem Pembayaran Indonesia (ASPI) meluncurkan Kartu Kredit Indonesia (KKI) untuk segmen ritel atau masyarakat umum sebagai alternatif pembayaran deferred payment domestik. 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