{"id":28097,"date":"2026-10-26T15:39:31","date_gmt":"2026-10-26T08:39:31","guid":{"rendered":"https:\/\/businessupdate.id\/?p=28097"},"modified":"2026-10-26T15:41:11","modified_gmt":"2026-10-26T08:41:11","slug":"transaksi-qris-bakal-jadi-acuan-penilaian-kelayakan-kredit","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=28097","title":{"rendered":"Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Bank Indonesia (BI) berencana menjadikan data transaksi Quick Response Code Indonesian Standard (QRIS) sebagai salah satu acuan dalam menilai kelayakan kredit (<em>credit scoring<\/em>) bagi pelaku usaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cJadi ini paling tidak suatu keberhasilan di mana kita memberikan akses keuangan kepada para merchant di bawah, merchant-merchant yang small juga yang nantinya data ini bisa menjadi semacam <em>credit scoring<\/em>,\u201d kata Gubernur BI Destry Damayanti dalam Danantara Technology Innovation Investment Forum (TIIF) 2026 di Jakarta, Senin (26\/10\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan data BI hingga kuartal III\/2026, jumlah pengguna QRIS tercatat sebanyak 70,6 juta dengan 49,4 juta merchant, sebanyak 97% di antaranya merupakan pelaku UMKM. Sedangkan, volume transaksi QRIS meningkat 75,8% secara tahunan yoy).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Destry, pemanfaatan data transaksi QRIS bisa mendukung perluasan akses keuangan bagi pelaku usaha kecil, sejalan dengan upaya BI untuk mendorong pertumbuhan ekonomi yang lebih inklusif. &#8220;Jadi kita sudah melakukan banyak hal, paling tidak karena kita ingin pertumbuhan ekonomi berkelanjutan. Artinya pertumbuhannya harus inklusif,&#8221; ujar Destry.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain QRIS, Destry menyoroti peran BI-FAST sebagai infrastruktur pembayaran yang memungkinkan transaksi berlangsung selama 24 jam. \u201cJadi belum banyak bank sentral atau negara lain yang sudah mempunyai <em>fast payment<\/em> (BI-FAST). Kita sudah mempunyai <em>fast payment<\/em> di mana itu penghematannya secara ekonomi juga luar biasa,\u201d ujarnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adapun BI-FAST mencatat volume transaksi sebanyak 1,631 miliar pada kuartal III\/2026, tumbuh 31,78% secara tahunan. Nilai transaksinya mencapai Rp4.049 triliun, meningkat 33,91% dibandingkan periode yang sama tahun sebelumnya. (ip\/jh. Foto: Dok. BCA)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Bank Indonesia (BI) berencana menjadikan data transaksi Quick Response Code Indonesian Standard (QRIS) sebagai salah satu acuan dalam menilai kelayakan kredit (credit scoring) bagi pelaku usaha. \u201cJadi ini paling tidak suatu keberhasilan di mana kita memberikan akses keuangan kepada para merchant di bawah, merchant-merchant yang small juga yang nantinya data ini bisa menjadi [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":22425,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[97,13232,8128,726,1712],"class_list":["post-28097","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-indonesia","tag-kelayakan-kredit","tag-penilaian","tag-qris","tag-transaksi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit - 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=28097\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Bank Indonesia (BI) berencana menjadikan data transaksi Quick Response Code Indonesian Standard (QRIS) sebagai salah satu acuan dalam menilai kelayakan kredit (credit scoring) bagi pelaku usaha. \u201cJadi ini paling tidak suatu keberhasilan di mana kita memberikan akses keuangan kepada para merchant di bawah, merchant-merchant yang small juga yang nantinya data ini bisa menjadi [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=28097\" \/>\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=\"2026-10-26T08:39:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-26T08:41:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/12\/BCA-qris-tap-e1765424726611.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1300\" \/>\n\t<meta property=\"og:image:height\" content=\"826\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\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=\"Iyan Pahlevi\" \/>\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=28097\",\"url\":\"https:\/\/businessupdate.id\/?p=28097\",\"name\":\"Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-10-26T08:39:31+00:00\",\"dateModified\":\"2026-10-26T08:41:11+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=28097#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=28097\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=28097#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit\"}]},{\"@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\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit - 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=28097","og_locale":"en_US","og_type":"article","og_title":"Transaksi QRIS Bakal Jadi Acuan Penilaian Kelayakan Kredit - Businessupdate.id","og_description":"BusinessUpdate &#8211; 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