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Bab A|

Ringkasan Sistem Pembayaran

Payment System Overview

Ringkasan indikator utama sistem pembayaran nasional, mencakup key metrics UYD, transaksi non-tunai, dan infrastruktur pasar keuangan.

1 Tabel
20 Indikator
+2 Baru

Daftar Tabel

A.1

Indikator Utama Sistem Pembayaran

SIMPLIFY

Key Payment System Indicators

20
indikator

Justifikasi

Tabel 1 saat ini berisi 23 indikator campuran. Disederhanakan menjadi 20 indikator inti yang fokus pada key metrics sistem pembayaran. Menambahkan Digital Payment Ratio dan Fast Payment Share sesuai CPMI Red Book.

Sumber Tabel: 1
Benchmark: CPMI-BIS Red Book Table 1 (Comparative tables - Key figures on payment system)
+2 indikator baru

Indikator Baru

NEW-1

Digital Payment Ratio

CRITICAL

Digital Payment Ratio

Metodologi: Total transaksi digital (E-Money + Mobile Banking + Internet Banking + QRIS) / Total transaksi pembayaran non-tunai x 100%
Justifikasi: Indikator utama transformasi digital pembayaran. Digunakan oleh CPMI-BIS untuk mengukur kemajuan digitalisasi. G20 Roadmap for Enhancing Cross-border Payments juga menekankan indikator ini.
Sumber: Bank Indonesia
NEW-2

Fast Payment Share

CRITICAL

Fast Payment Transaction Share

Metodologi: Volume transaksi BI-FAST / Total volume transaksi ritel non-tunai x 100%
Justifikasi: BI-FAST diluncurkan Desember 2021 sebagai sistem pembayaran ritel real-time. CPMI-BIS Red Book 2024 menambahkan fast payment sebagai kategori baru. 65+ negara sudah memiliki fast payment system.
Sumber: Bank Indonesia - BI-FAST

Benchmark Internasional

1-1

Uang Yang Beredar

Currency in Circulation

100%

Total uang kartal yang diedarkan oleh Bank Indonesia (uang kertas + uang logam).

Red Book: Table 4 - Banknotes and coins

Ekuivalen Internasional

BIS/CPMI—Total value of banknotes and coins in circulation
Annual
United States—Currency in Circulation
Weekly
ECB—Euro banknotes in circulation
Monthly
Japan—Banknotes in Circulation
Monthly
1-2

M1/PDB Harga Berlaku

Narrow Money (M1) / GDP at Current Price

95%

Rasio uang beredar dalam arti sempit (M1) terhadap PDB harga berlaku.

Red Book: Table 1 - Key figures

Ekuivalen Internasional

IMF—Broad Money to GDP
Annual
World Bank—Money and quasi money (M2) as % of GDP
Annual
1-3

UYD terhadap PDB

Currency in Circulation to GDP

100%

Rasio uang kartal yang diedarkan terhadap PDB harga berlaku.

Red Book: Table 1 - Key figures (Cash/GDP ratio)

Ekuivalen Internasional

BIS/CPMI—Currency in circulation as % of GDP
Annual
ECB—Cash/GDP ratio
Annual
1-13

Volume Transaksi RTGS

RTGS Transaction Volume

100%

Jumlah transaksi yang diproses melalui sistem BI-RTGS.

Red Book: Table 11 - Large-value payment systems

Ekuivalen Internasional

BIS/CPMI—LVPS - Number of transactions
Annual
United States—Fedwire Funds Service - Volume
Annual
ECB—TARGET - Number of transactions
Annual
Japan—BOJ-NET Funds Transfer Volume
Annual
1-14

Nilai Transaksi RTGS

RTGS Transaction Value

100%

Total nilai transaksi yang diproses melalui sistem BI-RTGS.

Red Book: Table 11 - Large-value payment systems

Ekuivalen Internasional

BIS/CPMI—LVPS - Value of transactions
Annual
United States—Fedwire Funds Service - Value
Annual
NEW-1

Digital Payment Ratio

Digital Payment Ratio

75%

Total transaksi digital / Total transaksi non-tunai x 100%.

Red Book: Table 9 - Innovative payment services

Ekuivalen Internasional

BIS/CPMI—Fast payments as share of retail payments
Annual
India—UPI Share of Digital Transactions
Monthly
China—Mobile Payment Ratio
Quarterly
Sweden—Electronic payments share
Annual
NEW-2

Fast Payment Share

Fast Payment Transaction Share

65%

BI-FAST volume / Total retail non-cash volume x 100%.

Red Book: Table 9 - Innovative payment services (Fast payments)

Ekuivalen Internasional

India—UPI Transaction Volume
Monthly
Thailand—PromptPay Volume
Monthly
Australia—NPP Transaction Volume
Monthly
United Kingdom—Faster Payments Volume
Monthly
Brazil—PIX Transaction Volume
Monthly
Bab B: Uang Beredar dan Uang Kartal