Menjelaskan dengan Mudah Kenapa QRIS dan GPN Dikomplain Amerika

Summary

The video discusses Indonesia's digital payment system, Kris (QRIS) and the National Payment Gateway (GPN), highlighting their role in fostering financial independence and security. It contrasts this with complaints from the United States, particularly from companies like Visa and Mastercard, who feel excluded from Indonesia's digital payment system. The video explains how Kris and GPN benefit local businesses, especially SMEs, by reducing transaction costs and promoting digital sovereignty. It emphasizes that every country should have the right to create systems tailored to their needs, and Kris represents a symbol of Indonesia's digital independence and progress.

Takeaways

• 😀 QR-based payment systems like Cris have become a part of daily life in Indonesia, making transactions faster and more convenient.
• 😀 Cris (Quick Response Code Indonesian Standard) is an Indonesian-made digital payment system used widely across the country, helping reduce reliance on foreign systems.
• 😀 The Gerbang Pembayaran Nasional (GPN) is a payment gateway that ensures domestic control over debit and credit transactions in Indonesia.
• 😀 Both Cris and GPN aim to make digital transactions more secure, cost-effective, and independent from foreign systems, benefiting local businesses, especially small and medium enterprises (SMEs).
• 😀 The United States has expressed concerns over Cris and GPN, claiming that the exclusion of companies like Visa and Mastercard from the development of these systems harms global payment compatibility.
• 😀 Many Indonesians feel that these concerns are exaggerated, as the systems are designed to serve the country's needs and reduce dependency on foreign payment systems.
• 😀 Using Cris and GPN reduces transaction costs, providing significant savings for local businesses compared to using international systems like Visa and Mastercard.
• 😀 Cris has become a symbol of Indonesia's digital independence, with many people proud of this homegrown technology that provides an efficient solution to local payment needs.
• 😀 The shift from using foreign payment systems means Indonesia now retains control over transaction data and avoids sending sensitive financial information abroad.
• 😀 While the U.S. expresses concerns over losing market share in the growing digital payment sector, the priority for Indonesia is ensuring digital sovereignty and benefiting from local economic growth.

Q & A

What is Cris and how does it benefit Indonesia's digital economy?

Cris (Quick Response Code Indonesian Standard) is a QR-based payment system created by Bank Indonesia. It benefits Indonesia's digital economy by making transactions faster, cheaper, and more efficient, allowing businesses, particularly small and medium enterprises (UMKM), to reduce transaction fees and increase profitability.

What is the main purpose of the GPN (Gerbang Pembayaran Nasional) system?

The main purpose of GPN is to regulate debit and credit card transactions within Indonesia, ensuring that payments are processed domestically without relying on foreign payment systems. It aims to provide Indonesia with full control over its digital payment infrastructure.

Why is America critical of the Cris and GPN payment systems?

America has criticized Cris and GPN because they were developed without involving American companies like Visa and Mastercard. The U.S. believes that these systems are not compatible with existing global payment infrastructures, and that they restrict the participation of foreign businesses in the Indonesian market.

How does the introduction of Cris and GPN impact foreign companies like Visa and Mastercard?

The introduction of Cris and GPN reduces the dominance of foreign companies like Visa and Mastercard in Indonesia's payment system. These companies, which previously earned substantial revenue from transaction fees in Indonesia, now face a loss of income due to the domestic control of payment processing.

Why is Indonesia's adoption of a local payment system like Cris considered important for its digital sovereignty?

Indonesia's adoption of Cris is seen as a step towards digital sovereignty, allowing the country to manage and control its own payment systems. This reduces dependence on foreign technology and ensures that data from financial transactions remain within the country, increasing security and preserving economic benefits domestically.

What are the advantages of using Cris and GPN for local businesses, especially small enterprises?

For local businesses, especially UMKM, Cris and GPN provide lower transaction costs compared to foreign payment systems. This helps businesses save money on fees, allowing them to reinvest and grow. Additionally, the systems enhance convenience and efficiency, benefiting both businesses and consumers.

How do Cris and GPN contribute to Indonesia's digital identity?

Cris and GPN contribute to Indonesia's digital identity by serving as symbols of the country's technological independence. They reflect Indonesia's ability to create and manage its own digital infrastructure, showcasing national pride and a commitment to self-sufficiency in the digital age.

What are the geopolitical implications of Indonesia's digital payment systems like Cris and GPN?

The geopolitical implications include a shift in control over digital payment systems away from global powers like the U.S., which could lose both economic opportunities and influence over data. The development of Cris and GPN signals Indonesia's growing digital independence, which may challenge the existing global financial order.

How has the U.S. reacted to the rise of local payment systems like Cris in developing countries?

The U.S. has expressed concern over the rise of local payment systems like Cris in developing countries, fearing that it could undermine their dominant position in global payment markets. This includes concerns over losing access to large markets and the economic benefits tied to processing international transactions.

Why does the script suggest that America's complaints about Cris and GPN are exaggerated?

The script suggests America's complaints are exaggerated because Cris and GPN are designed to benefit Indonesia, not foreign countries. These systems provide more affordable and efficient payment solutions for local businesses and strengthen Indonesia's digital autonomy. The criticism is seen as an overreaction, given that other countries, including the U.S., have similar local payment solutions.