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Karawang, Wartacana.com – Di balik menginstankan transaksi digital, terselip sejumlah cerita yang tak selalu instan. QRIS, atau Quick Response Code Indonesian Standard, adalah sistem pembayaran berbasis kode QR yang dikembangkan oleh Bank Indonesia. Tujuannya adalah menyatukan berbagai aplikasi pembayaran digital dalam satu sistem terpadu agar transaksi bisa dilakukan lebih cepat, aman, dan efisien.
Santoso (35), seorang pemilik toko kelontong di desa Sukaharja, Karawang, mengingat betul pengalamannya saat dana hasil transaksi melalui QRIS tak kunjung masuk. “Harusnya jam empat sore cair, malah jam lima atau jam enam baru masuk,” ujar Santoso saat ditemui oleh Tim Wartacana di toko miliknya.
Meski begitu, Santoso tetap bertahan menggunakan QRIS dengan alasan kemudahan. “Kadang-kadang kalau dari bank kan kepotong juga, tapi ya sudah lah, ikhlasin aja. Ada untung, ada rugi,” tambahnya sambil tersenyum tipis.
Namun, tak semua pedagang memiliki pengalaman atau pandangan yang sama. Cerita lain datang dari Nia (37), seorang pemilik warung sembako di perkampungan Sukaharja, Karawang, justru belum menggunakan QRIS.
Saat ditemui oleh Tim Wartacana di teras rumahnya, Nia hanya tersenyum ketika ditanya soal QRIS. “Belum pakai,” ujarnya singkat, sambil melipat tangan di pangkuan.
Di lingkungan tempat Nia berjualan, pelanggan rata-rata orang tua dan anak-anak. “Mereka jarang pegang HP, kalaupun ada, nggak semua ngerti cara pakai QRIS,” jelasnya.
Nia mengaku belum pernah mendapat ajakan atau sosialisasi tentang penggunaan QRIS. Bagi Nia, transaksi tunai masih jadi pilihan paling praktis di tengah masyarakat yang belum terbiasa dengan teknologi pembayaran digital.
Di sisi lain, penggunaan QRIS mulai marak di kalangan anak muda. Di pelataran kampus Universitas Singaperbangsa Karawang, seorang mahasiswa semester enam, Nurazizah Kholifah mengaku lebih memilih QRIS untuk transaksi harian. “Praktis, nggak ribet nunggu kembalian,” ujarnya singkat.
Tapi pengalaman di lapangan tak selalu mulus. Kepada Tim Wartacana, Nurazizah bercerita bahwa QRIS sering kali bermasalah saat digunakan di warung-warung kecil.
Nurazizah beberapa kali mengalami gangguan saat akan melakukan pembayaran seperti, barcode tak terbaca, sistem gagal memproses. Bagi Nurazizah, kemudahan teknologi belum tentu berlaku sama di tiap sudut Karawang. “Akhirnya tetap bayar tunai, karena nggak semua pedagang siap dengan QRIS,” tuturnya.
Menurut Fajar Ramadhan, Kepala Program Studi Manajemen di Universitas Singaperbangsa Karawang, QRIS adalah langkah maju dalam sistem pembayaran digital. Namun, Fajar tak menutup mata pada sejumlah tantangan yang mengikutinya.
“Masalahnya bukan hanya soal teknis, tapi juga pengetahuan dan pemerataan,” jelasnya saat ditemui Tim Wartacana di ruang kerjanya.
Fajar menyoroti potongan biaya yang kerap dikeluhkan pelaku UMKM serta minimnya sosialisasi di wilayah pedesaan. “QRIS bisa membantu pelaku usaha kecil, asal mereka paham dan infrastruktur mendukung,” tambahnya.
QRIS memang menawarkan kenyamanan, cukup dengan memindai barcode, transaksi selesai. Namun, di lapangan, realitasnya tidak sesederhana itu. Masih ada pedagang yang enggan beralih karena keterbatasan pemahaman, biaya admin yang tak transparan, hingga sistem yang belum stabil.
Dari warung di kampung hingga kantin kampus, dari pengguna muda hingga pedagang sepuh, semua menghadapi pengalaman yang berbeda. Maka, jika benar QRIS ingin menjadi wajah masa depan transaksi Indonesia, pemerataan akses, edukasi, dan kejelasan biaya bukan sekadar pelengkap melainkan kebutuhan utama.
Tim Penulis: Ahmad Maulana, Alkatiri Dzikri Rahmandhani, dan Eva Nurazizah
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