THE INFLUENCE OF DIGITAL PAYMENT SYSTEMS ON BUSINESS EFFICIENCY AND FINANCIAL TRANSPARENCY

Abstract

The advancement of digital technology has driven the development of information systems in business and accounting to improve financial processes to be more efficient, transparent, and precise. The financial services digitization, as proven by Bank Negara Indonesia's (BNI) utilization of QRIS, is a case in poin  for improving the efficiency of transactions and enhancin  financial inclusion. This paper introduces the internship experience in marketing and implementing QRIS as part of the digital information system in banking, with a study on merchant adoption and issues faced. The research indicates that digital training, technical support, and effective marketing are the determinants of successful implementation of digital information systems. With the correct usage of technology, business and accounting digitalization has the ability to enhance efficiency of operations, create data transparency, and push for the growth of the digital economy in Indonesia.