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BI: Volume Transaksi QRIS Melonjak 95%, Pembayaran QRIS Makin Diminati

BI: Volume Transaksi QRIS Melonjak 95%, Pembayaran QRIS Makin Diminati

Bank Indonesia (BI) mencatat volume transaksi pembayaran digital mencapai 5,22 miliar transaksi pada Mei 2026, tumbuh 28,14% secara tahunan (year on year/YoY). Lonjakan ini didorong terutama oleh pertumbuhan pesat transaksi QRIS yang melonjak 95,10% YoY.

QRIS Jadi Motor Utama Pertumbuhan Digital

Gubernur BI Perry Warjiyo menyatakan bahwa transaksi QRIS masih menjadi motor utama pertumbuhan pembayaran digital di Indonesia. Volume transaksi QRIS melonjak tajam seiring bertambahnya jumlah pengguna dan merchant yang menggunakan standar kode respons cepat Indonesia ini.

Fakta Kunci Pembayaran Digital Mei 2026

Indikator	Nilai	Pertumbuhan YoY
Volume pembayaran digital	5,22 miliar transaksi	+28,14%
Volume transaksi QRIS	Tidak disebutkan secara spesifik	+95,10%

Mengapa QRIS Tumbuh Pesat?

Lonjakan 95% pada volume QRIS didukung oleh:

Bertambahnya jumlah pengguna QRIS di seluruh Indonesia

Penambahan merchant yang menerima pembayaran QRIS, termasuk UMKM

QRIS tercatat menjangkau 57 juta pengguna dan 39,3 juta merchant (93,16% UMKM) hingga semester I 2025.

Tren Penggunaan QRIS

Pembayaran digital QRIS menunjukkan pertumbuhan konsisten dalam beberapa tahun terakhir:

Januari 2026: Nilai transaksi Rp164,48 triliun (+103,35% YoY), volume 1,83 miliar transaksi (+131,47% YoY)

Sepanjang 2025: Volume 15,51 miliar transaksi (+148,54% YoY), nilai Rp1.420,66 triliun (+115,27% YoY)

2024: Volume 6,24 miliar transaksi, nilai Rp659,93 triliun.

Implikasi untuk Ekonomi Digital

Data ini menunjukkan bahwa sistem pembayaran digital Indonesia semakin aman, lancar, dan andal, mendukung transformasi ekonomi digital nasional. Khususnya di Riau dan Pekanbaru, peningkatan adopsi QRIS membuka peluang besar bagi UMKM untuk bersaing di era digital.

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