Jakarta, Hasanah.id – Bank Indonesia resmi memperluas kebijakan MDR QRIS 0 persen yang akan mulai berlaku pada 1 Oktober 2026.
Pengumuman perluasan ini disampaikan bersamaan dengan peluncuran respons kebijakan sistem pembayaran pada 17 Agustus 2026 bertepatan HUT ke-81 Republik Indonesia.
Pejabat Gubernur Sementara BI, Destry Damayanti, menyatakan bahwa MDR QRIS 0 persen dirancang untuk mendorong efisiensi biaya transaksi dan memperkuat daya beli masyarakat.
Langkah ini diharapkan menaikkan volume transaksi QRIS di berbagai segmen usaha.
BI menilai insentif yang lebih luas akan mempercepat digitalisasi pembayaran, terutama bagi pelaku usaha kecil dan menengah.
Kepala Departemen Kebijakan Sistem Pembayaran BI, Ryan Rizaldy, menerangkan bahwa perluasan kebijakan merupakan pengembangan dari insentif yang sebelumnya terbatas.
Sebelumnya, insentif 0 persen hanya diberikan kepada usaha mikro dan kategori merchant tertentu seperti instansi pemerintah, Badan Layanan Umum (BLU), Public Service Obligation (PSO), serta donasi nasional.
Ryan menekankan bahwa kebijakan tersebut dibuat dengan prinsip kehati-hatian agar tidak mengorbankan keberlanjutan industri sistem pembayaran.
Menurutnya, keseimbangan diperlukan untuk membuka ruang tumbuh bagi merchant sekaligus menjaga stabilitas industri.
PakarPBN
A Private Blog Network (PBN) is a collection of websites that are controlled by a single individual or organization and used primarily to build backlinks to a “money site” in order to influence its ranking in search engines such as Google. The core idea behind a PBN is based on the importance of backlinks in Google’s ranking algorithm. Since Google views backlinks as signals of authority and trust, some website owners attempt to artificially create these signals through a controlled network of sites.
In a typical PBN setup, the owner acquires expired or aged domains that already have existing authority, backlinks, and history. These domains are rebuilt with new content and hosted separately, often using different IP addresses, hosting providers, themes, and ownership details to make them appear unrelated. Within the content published on these sites, links are strategically placed that point to the main website the owner wants to rank higher. By doing this, the owner attempts to pass link equity (also known as “link juice”) from the PBN sites to the target website.
The purpose of a PBN is to give the impression that the target website is naturally earning links from multiple independent sources. If done effectively, this can temporarily improve keyword rankings, increase organic visibility, and drive more traffic from search results.
