Gimana Sebenarnya Cara Kerja QRIS?

Summary

The video explains the evolution and functionality of QR codes in Indonesia's payment system, focusing on Kris, a unified QR code system introduced by Bank Indonesia. It highlights how QR codes work by encoding binary data (0s and 1s) into visual images, which can store transaction details such as payment amounts and store names. Kris simplifies payment by allowing a single QR code for all payment services, replacing the need for multiple apps. However, the system faced criticism from the U.S. for potentially hindering international trade. Despite its advantages, some fraudulent activity has occurred, urging users to verify transaction details carefully.

Takeaways

• 😀 QR Code-based payments, like Kris, make transactions fast and convenient, replacing physical cash.
• 😀 QR Codes work by translating binary code (0 and 1) into black and white patterns, with the size of the code determining how much data it can hold.
• 😀 Larger QR Codes can store more data, like transaction details, bank codes, and merchant information.
• 😀 The three large boxes in a QR Code help position it correctly for scanning from different angles.
• 😀 Scanning a QR Code sends the transaction data to a payment server for validation, including checks for valid codes and sufficient funds.
• 😀 Kris is an integrated payment system in Indonesia that combines various payment methods into one universal QR Code.
• 😀 Before Kris, each payment service had its own QR Code, requiring multiple apps and codes for different services, making it inefficient.
• 😀 The introduction of Kris has simplified payments, but it also has some critics, particularly from international parties like the U.S., who feel it hinders cross-border trade.
• 😀 Kris enables easier and cheaper transactions for Indonesian merchants compared to more expensive international systems.
• 😀 Some individuals exploit the QR Code system for fraud, so users must verify transaction details carefully before paying.
• 😀 Despite its drawbacks, experts agree that Kris is a beneficial and cost-effective system for Indonesia's digital economy.

Q & A

What is Kris and how does it work?

Kris is a unified QR code payment system introduced by Bank Indonesia, allowing users to make payments across various platforms using a single QR code. The system works by encoding data such as bank codes, transaction amounts, and store names into a QR code, which can be scanned to facilitate payments instantly.

Why has Kris become so popular in Indonesia?

Kris has become popular in Indonesia because it simplifies the payment process by enabling one universal QR code that can be used for all payment services, removing the need for multiple apps and different QR codes from different providers.

What are the two main colors used in QR codes and what do they represent?

In QR codes, the two main colors are white and black. The white color represents the binary digit '0', while the black color represents the binary digit '1'. This binary system is used to encode data into the QR code.

How do QR codes store data?

QR codes store data by using a grid of squares where each square represents a binary digit (0 or 1). The size of the grid and the number of squares determine how much data the QR code can store. Smaller squares allow for more data storage.

What is the role of the three large squares in the corners of a QR code?

The three large squares in the corners of a QR code serve as position markers, allowing the scanner to detect and read the code from any angle or orientation.

What happens after a QR code is scanned using a smartphone?

After scanning a QR code, the smartphone sends the transaction data to a central server for verification. The server checks if the code is valid and ensures there are sufficient funds in the user's account before completing the payment.

What was the problem with the previous payment system before Kris was introduced?

Before Kris, each payment service provider had its own unique QR code, which meant users had to install multiple apps and merchants had to display many different QR codes, making the payment process complex and inefficient.

Why did some people in the U.S. complain about Kris?

Some people in the U.S. complained about Kris because it made it more difficult for foreign payment systems to enter the Indonesian market. This, they argued, hindered international trade between the U.S. and Indonesia.

How does Kris benefit Indonesian merchants and consumers?

Kris benefits both Indonesian merchants and consumers by providing a low-cost, universal payment system that is easy to implement and use. It allows a wider range of merchants to accept payments without having to deal with multiple payment systems.

What precautions should users take when using QR codes for payments?

Users should always ensure that they are scanning the correct QR code by double-checking the transaction details with the merchant. This helps to avoid falling victim to fraud, as some people may create fake QR codes for fraudulent purposes.