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印度尼西亚正在推动小型企业数字支付革命|出海印度尼西亚电商岛群第47期

2020-04-04 20:21:12

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印度尼西亚银行(BI)最近宣布,所有移动支付提供商都将用标准化QRIS(印度尼西亚标准QR码)代替QR码。

 

这将为使用QR码进行的所有交易提供单个集成平台,即使这些交易来自不同的电子钱包提供商。

 

截至2月,全国约有270万商人已开始使用QRIS。商户正在迅速采用该代码-仅在雅加达,使用QRIS的商户数量约为620,00人,比去年八月增加了三倍多。

 

尽管有这些数字,但政府说服微型企业跳上无现金列车的运气并不好,更不用说QR码交易了。雅加达商业银行的财务管理总监Luthor Tapiheru说,小型企业仍然不知道QRIS如何使他们受益。他说,这将有助于他们保持交易记录。

 

“银行不会向没有交易记录的企业提供贷款。借助QRIS系统,微型企业可以使用记录的交易来申请贷款并获得额外的资本。”

 

Tapiheru除了为微型企业提供金融服务外,还提到QRIS的上限为139美元,这使其适合于小型企业交易。

 

据BI雅加达代表处负责人Hamid Ponco称,微型企业无法完全理解QR码的工作原理,因此不愿采用移动支付。

 

“需要时间说服小商户安装QRIS,并告知他们如何简化交易。”

 

的确,无现金将在许多方面使企业受益。

 

例如,处理非接触式交易平均只需要1-2秒,而现金需要6到7秒。它还可以帮助保持客户忠诚度-通过无现金支付方式,商家可以在提供奖励计划方面发挥创意,以激励新购买者并改善客户体验。

 

印尼的邻国已经乘坐无现金列车,甚至将QR码支付服务扩展到了国家以外。

 

去年11月,暹罗商业银行与总部位于新加坡的数字支付平台Liquid Group合作,建立了新加坡-泰国QR支付通道。这使拥有泰国电子钱包的客户在新加坡时可以与Liquid Group商家购物,从而避免了他们在前往不同国家旅行时拥有多个电子钱包的麻烦。

 

展望未来,很明显,企业和消费者都可以从非接触式支付中受益。但是,这些新的数字支付技术的集成和实施需要逐步进行。

 

地方政府和监管机构应确保所有人都能使用该技术,并为没有或缺乏该技术工作原理的人提供支持。这样,所有街头小贩和湿市场小贩只接受数字支付,而完全没有现金,只是时间问题。



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Bank Indonesia (BI) recently announced that all mobile payment providers are to replace QR codes with the standardized QRIS (Indonesian Standard QR Code).

 

This would provide a single, integrated platform for all transactions made using QR codes, even if they come from different e-wallet providers.

 

As of February, approximately 2.7 million merchants across the country have started using the QRIS. Merchants are adopting the code rapidly – just in Jakarta, the number of merchants using QRIS was approximately 620,00 people, more than a threefold increase from last August.

 

Despite having the numbers, the government is not having much luck convincing micro-businesses to jump onto the cashless train, let alone QR code transactions. BI Jakarta financial management director Luthor Tapiheru said that small businesses are still unaware of how the QRIS can benefit them. For one, he said, it will help them keep a record of transactions.

 

“Banks won’t provide loans to businesses that don’t have transaction records. With the QRIS system, micro-businesses can use recorded transactions to apply for loans and gain additional capital.”

 

Aside from providing micro-businesses with financial access, Tapiheru also mentioned that QRIS has a cap of US$139, making it suitable for small business transactions.

 

According to BI Jakarta representative office chief Hamid Ponco, micro-businesses do not fully understand how QR codes work, and thus are reluctant to adopt mobile payments.

 

“It takes time to convince small merchants to install QRIS, and to inform them how it can simplify their transactions.”

 

Indeed, going cashless would benefit businesses in many ways.

 

For instance, it takes an average of just one to two seconds to process a contactless transaction, compared to six to seven seconds for cash. It also helps retain customer loyalty – with cashless payment options, merchants can get creative in offering reward programs to incent new purchases and enhance customer experience.

 

Indonesia’s neighbors are already aboard the cashless train, and have even extended QR code payment services beyond country borders.

 

Last November, the Siam Commercial Bank partnered with Singapore-based digital payment platform Liquid Group to create a Singapore-Thailand QR payment corridor. This enables customers with Thai e-wallets to shop with Liquid Group merchants when in Singapore, saving them the hassle of having multiple e-wallets while traveling to different countries.

 

Looking ahead, it is evident that both businesses and consumers can benefit from contactless payments. However, the integration and implementation of these new digital payment technologies need to be carried out gradually.

 

Local government and regulatory bodies should ensure that all have access to the technology, and provide support to those that don’t, or lack the knowledge of how this technology works. With this, it is only a matter of time before all street vendors and wet market sellers would only accept digital payments, and not have cash altogether.

By Emily Wong | 16 March, 2020


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