PERAN SISTEM PEMBAYARAN DIGITAL DALAM INKLUSI KEUANGAN DAN STABILITAS EKONOMI

Abstrak

The development of digital payment systems in Indonesia has grown rapidly, driven by technological advancements and increased digital financial service usage. These systems function not only as transaction tools but also as strategic instruments to promote financial inclusion and national economic stability. This study aims to analyze the role of digital payments in enhancing financial inclusion and their contribution to the national economy. Using a descriptive qualitative approach, data was gathered through literature studies of official reports from Bank Indonesia, the Financial Services Authority (OJK), and relevant scientific journals. The results indicate that innovations such as electronic money and QRIS effectively expand financial access, increase transaction efficiency, and accelerate money circulation. These factors contribute positively to economic stability. However, rapid innovation introduces challenges, including data security risks and the need for rigorous oversight. Consequently, Bank Indonesia’s role as a regulator is vital in ensuring the security, stability, and sustainability of the digital payment ecosystem to support long-term economic resilience.

Design/methodology/approach – Penelitian ini menggunakan metode pendekatan kualitatif deskriptif dengan data sekunder yang diperoleh dari laporan resmi Bank Indonesia, Otoritas Jasa Keuangan, serta jurnal ilmiah terkait sistem pembayaran digital. Pengumpulan data dilakukan melalui studi literatur dan dokumentasi, sedangkan analisi data menggunakan analisi isi untuk mengkaji peran sistem pembayaran digital terhadap inklusi keuangan dan stabilitas ekonomi nasional. Penelitian ini menggunakan software khusus dan hanya memanfaatkannya untuk