ANALISIS PENGARUH RENCANA KEBIJAKAN REDENOMINASI RUPIAH TERHADAP SISTEM PEMBAYARAN DIGITAL DI INDONESIA

Abstract

The development of digital payment methods in Indonesia is accelerating rapidly alongside the increasing use of e-wallets, QRIS, marketplaces, and mobile banking in public transactions, making digital payment systems a fundamental element in supporting monetary policy, including the planned rupiah redenomination. Rupiah redenomination is a policy aimed at simplifying the nominal value of the currency without changing its real value or purchasing power, with the objective of improving efficiency and governance within the financial system. This article analyzes the impact of the planned rupiah redenomination policy on digital payment methods in Indonesia using a descriptive literature review approach by examining various relevant sources. The findings indicate that Indonesia’s digital payment system is relatively ready to support the implementation of redenomination, although challenges remain in terms of technological adjustments, cybersecurity threats, and the potential for public confusion. In the long term, rupiah redenomination has the potential to enhance efficiency and transparency in Indonesia’s digital payment system.