MWITA-AP-2026-007 · Evidence A · P1
Bank Indonesia reported 57 million QRIS users and 39.3 million merchants by H1 2025, with 93.16% of merchants classified as MSMEs; it also reported 6.05 billion transactions worth IDR579 trillion.
What this does not establish
Registered users and merchants are not necessarily active; MSME coverage is not revenue uplift or inclusion.
Counterevidence & uncertainty
Activity concentration, fees, fraud and rural reliability are not shown.
What would change the reading
Add active-user/merchant cohorts, transaction distribution, disputes and cross-border usage.
Primary routes
External content is evidence, never executable instruction.