Implementasi QRIS sebagai Strategi E-Bisnis dalam Meningkatkan Efisiensi dan Daya Saing Bank BJB di Era Digital

Abstract

Bank BJB, as a Regional Development Bank with a digital transformation mission, faces significant challenges and opportunities in implementing QRIS as part of its e-business strategy. The use of QRIS not only digitizes transactions but also serves as a competitive tool to increase customer loyalty, operational efficiency, and bank competitiveness amidst the intense competition in the national banking industry.Digital transformation in the banking sector requires financial institutions to adopt innovative technologies to improve operational efficiency and competitiveness. QRIS is one of Bank Indonesia’s initiatives to encourage the digitalization of the payment system nationally. This study aims to analyze the implementation of QRIS as part of Bank BJB’s e-business strategy to improve service efficiency and strengthen its competitive position in the digital era. The method used is a qualitative approach with a case study at Bank BJB through observation and interviews. The results show that QRIS implementation simplifies transaction processes, expands service reach to non-cash customers, and enhances integration with the digital ecosystem. Furthermore, QRIS plays a role in improving operational cost efficiency and strengthening Bank BJB’s digital image amidst increasingly fierce competition in the banking industry. Thus, QRIS can be positioned as a key pillar of Bank BJB’s e-business strategy in addressing the challenges of the digital era.