Jakarta, Oct. 26 -- Bank Indonesia (BI) plans to use transaction data from the Quick Response Code Indonesian Standard (QRIS) as one reference in assessing creditworthiness, or credit scoring, for micro, small, and medium enterprises (MSMEs).

"This is at least an achievement where we give financial access to merchants at the bottom, small merchants too, whose data can later become a kind of credit scoring. In the future it will be like that," BI Governor Destry Damayanti said at the Danantara Technology Innovation Investment Forum (TIIF) 2026 here on Monday.

Based on BI data through the third quarter of 2026, QRIS had 70.6 million users and 49.4 million merchants. Damayanti said 97 percent of them were MSME players.

QRIS transactions a...