Analisis Keamanan Sistem Pembayaran Digital Quick Response Code Indonesian Standard (QRIS)

Authors

DOI:

https://doi.org/10.56706/ik.v18i3.112

Keywords:

QR Code, Quick Response Code Indonesian Standard (QRIS), Keamanan QRIS, Quishing, Pembayaran digital

Abstract

Penggunaan sistem pembayaran digital melalui Quick Response Code (QR Code) telah membawa kemajuan signifikan dalam efisiensi transaksi, khususnya di era digital saat ini. Teknologi ini menawarkan kecepatan dan kemudahan dalam proses pembayaran, mengurangi ketergantungan pada uang tunai dan memfasilitasi transaksi yang aman dan nyaman. Pemanfaatan QR Code diterapkan pada Quick Response Code Indonesian Standard (QRIS) yang telah menopang perekonomian di sektor perdagangan. Namun, semakin berkembangnya teknologi akan selalu memunculkan kerentanan seperti masalah keamanan pada QRIS, yaitu risiko keamanan QR Code dan Phishing (Quishing). Dalam serangan ini, pelaku kejahatan membuat QRIS yang tampaknya sah seolah-olah QRIS milik pedagang, tetapi ketika dipindai QRIS tersebut mengarahkan korban melakukan transaksi ke rekening QRIS pelaku kejahatan. Studi ini memberikan solusi untuk mengatasi Quishing pada QRIS dengan analisis keamanan sistem pembayaran digital QRIS dengan merekomendasikan implementasi keamanan tambahan pada sistem QRIS yang sudah ada. Selain itu, kampanye edukasi yang berkelanjutan tentang keamanan digital serta peningkatan infrastruktur pendukung sangat diperlukan untuk meningkatkan adopsi dan keefektifan sistem pembayaran digital berbasis QRIS di masyarakat. Studi ini menunjukkan bahwa penerapan autentikasi ganda, verifikasi lokasi, dan edukasi keamanan digital adalah langkah yang efektif untuk melindungi dan mencegah pengguna dari serangan Quishing.

Author Biography

Abdul Azzam Ajhari, Badan Siber dan Sandi Negara (BSSN) dan Universitas Siber Asia (UNSIA)

Abdul Azzam Ajhari is a Lecturer at Universitas Siber Asia (UNSIA) and an Informatics Expert at the National Cyber and
Crypto Agency in the Republic of Indonesia. He received his master’s degree from Bina Nusantara University majoring in computer science in 2022 with a thesis about Aircraft Flight Movement Anomaly Detection using Automatic Dependent Surveillance Broadcast. He has been certified ISO 27001 Lead Auditor Information Security Management Systems (ISMS). He also has certification from NVIDIA Deep Learning Institute. 

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Submitted

23-10-2024

Accepted

03-12-2024

Published

04-12-2024

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