PUBLIKAINDONESIA.COM, JAKARTA – Bank Indonesia (BI) resmi meluncurkan layanan pembayaran lintas batas menggunakan QRIS di Jepang. Mulai Senin (25/8/2025), wisatawan Indonesia kini dapat berbelanja dan bertransaksi secara praktis di berbagai tempat di Jepang hanya dengan memindai kode QR melalui ponsel.
Gubernur BI, Perry Warjiyo, menyebut peluncuran ini sebagai tonggak penting dalam memperkuat kerja sama ekonomi digital antara Indonesia dan Jepang.
“Ini adalah babak baru kerja sama yang lebih erat melalui digital. Konektivitas pembayaran Indonesia-Jepang ini menunjukkan komitmen kuat terhadap visi bersama,” kata Perry dalam acara High Level Campaign LCT & Launching QRIS Cross Border Indonesia–Jepang yang digelar serentak di Jakarta dan Osaka.
Dengan hadirnya QRIS lintas negara, wisatawan asal Indonesia tak perlu lagi menukar rupiah ke yen untuk berbelanja. Mereka cukup menggunakan aplikasi pembayaran di ponsel dan memindai kode QR di pusat perbelanjaan, restoran, hingga toko oleh-oleh populer seperti di Don Quijote (Donki), Shibuya, atau Okachimachi.
Jepang menjadi negara keempat yang terhubung dengan sistem pembayaran QRIS lintas batas setelah Malaysia, Singapura, dan Thailand. Perry menegaskan bahwa konektivitas ini akan terus diperluas guna mendukung integrasi ekonomi digital di kawasan Asia.
Tak hanya untuk warga Indonesia di Jepang, sistem ini nantinya juga berlaku sebaliknya. Wisatawan asal Jepang ke Indonesia akan bisa melakukan transaksi menggunakan QR dari Jepang di berbagai merchant lokal.
“Ini bukti nyata keterhubungan ekonomi Asia yang semakin erat melalui digital,” ujar Perry.
Menteri Keuangan Jepang, Katsunobu Kato, menyambut baik inisiatif ini. Menurutnya, pertumbuhan pesat ekonomi Asia dan meningkatnya interaksi lintas negara membutuhkan sistem pembayaran yang cepat dan efisien.
“Sejak Agustus 2020, Jepang dan Indonesia sudah memungkinkan pertukaran langsung Yen dan Rupiah tanpa harus melalui dolar AS,” jelas Kato.
Dalam kesempatan yang sama, BI dan Kementerian Keuangan Jepang juga menyepakati penguatan transaksi Local Currency Transaction (LCT). Hingga Juli 2025, total nilai transaksi LCT antara kedua negara tercatat mencapai USD5,1 miliar, menjadikan Jepang mitra terbesar kedua Indonesia dalam LCT setelah Tiongkok.
Awalnya, transaksi LCT banyak dimanfaatkan untuk ekspor dan impor. Namun kini, BI mendorong penerapan yang lebih luas, termasuk integrasi LCT dengan pembayaran digital guna memperkuat efisiensi dan memperluas akses ke pasar keuangan.
Gubernur BI juga menantang pelaku industri keuangan untuk menghadirkan produk-produk inovatif, seperti rekening dalam mata uang yen di Indonesia yang dapat digunakan untuk membeli surat berharga seperti obligasi pemerintah dan Sekuritas Rupiah Bank Indonesia (SRBI) secara ritel lewat aplikasi mobile banking.
“Inisiatif ini tak hanya memperkuat ketahanan sistem keuangan nasional, tapi juga strategi untuk menurunkan biaya transaksi dan mengurangi risiko nilai tukar,” tegas Perry.
Langkah ini dinilai akan memperdalam pasar keuangan Indonesia sekaligus memberikan manfaat nyata bagi masyarakat dan pelaku usaha, terutama dalam era ekonomi digital saat ini.
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