Yogyakarta, CMNexus. PT Bank Syariah Indonesia (Persero) Tbk (BSI) menggelar sosialisasi Produk dan Layanan Solusi Ekosistem Pasar sekaligus soft launching aplikasi BYOND Merchant by BSI di Pasar Beringharjo, Yogyakarta, pada Senin, 14 September 2026. Langkah itu menyasar sekitar 5.000 pedagang yang setiap hari menggerakkan aktivitas perdagangan di pasar ikonik tersebut, dengan tujuan membawa pasar tradisional lebih jauh masuk ke ekosistem ekonomi digital.
Digitalisasi menyasar pasar tradisional
Pasar Beringharjo disebut sebagai ikon denyut ekonomi pariwisata Yogyakarta dan menjadi pusat aktivitas ekonomi bagi sekitar 5.000 pedagang yang melayani masyarakat serta wisatawan setiap hari. Menurut pemberitaan ANTARA, BSI tidak ingin digitalisasi hanya tumbuh di pusat perbelanjaan modern, melainkan hadir sampai ke pasar tradisional yang menjadi tempat jutaan pelaku UMKM menggerakkan ekonomi masyarakat.
"Beringharjo adalah ikon utama Yogyakarta. Jika Beringharjo bergerak, ekosistem ekonomi di sekitarnya ikut bergerak. Karena itu, kami ingin mengajak pedagang Beringharjo terus bertumbuh di era ekonomi digital," ujar SEVP Digital Banking BSI, M. Misbahul Munir.
Munir menilai perubahan cara masyarakat bertransaksi tidak dapat dihindari. Menurut dia, wisatawan maupun warga lokal semakin terbiasa memakai pembayaran digital dalam aktivitas sehari-hari.
"Perilaku pembeli terutama cara membayarnya berubah. Pedagangnya juga harus siap berubah. Jangan sampai wisatawan datang ke Beringharjo dengan smartphone di tangan, tetapi pedagang belum memiliki pilihan pembayaran digital yang mudah dan praktis," tegasnya.
Perangkat apa saja yang disiapkan
Melalui BYOND Merchant by BSI, pedagang memperoleh sarana untuk mengelola transaksi usaha. Layanan itu diperkuat ekosistem solusi merchant BSI yang mencakup QRIS BSI, Soundbox, hingga EDC. Aplikasi BYOND Merchant by BSI juga sudah tersedia untuk diunduh melalui Google Play Store, sehingga pelaku usaha dapat mengakses solusi transaksi secara lebih praktis sesuai kebutuhan bisnisnya. Menurut keterangan pada halaman aplikasi di Google Play Store, BYOND Merchant by BSI merupakan nama dan tampilan baru dari aplikasi BSI Merchant.
Selain menghadirkan solusi transaksi digital, BSI menyatakan menggelar edukasi terkait Solusi Ekosistem Pasar untuk membantu merchant memahami pengelolaan transaksi, pengembangan usaha, dan perencanaan keuangan jangka panjang. BSI turut memperkenalkan produk dan layanan finansial syariah, antara lain Tabungan Bisnis, Pembiayaan Mikro, Tabungan Haji, Tabungan Emas, Cicil Emas, dan Gadai Emas.
"Pedagang tidak hanya membutuhkan alat untuk menerima pembayaran. Mereka membutuhkan partner yang bisa menemani perjalanan bisnisnya. Mulai dari transaksi, mengelola keuangan, mendapatkan pembiayaan, sampai menyiapkan masa depan. Inilah yang ingin kami bangun di Beringharjo," kata Munir.
Angka ekosistem merchant BSI
Menurut keterangan BSI dalam pemberitaan ANTARA dan EmitenNews, hingga Agustus 2026 perseroan melayani lebih dari 604 ribu merchant QRIS terdaftar di seluruh Indonesia, tumbuh 17 persen secara tahunan (year on year/YoY). Jumlah merchant aktif tumbuh 106 persen YoY, dengan total transaksi mencapai lebih dari 90 juta transaksi dan nilai transaksi Rp5,7 triliun. Khusus di Yogyakarta, BSI melayani lebih dari 23 ribu merchant QRIS.
Perlu dicatat, versi salinan rilis yang lebih dahulu beredar pada hari yang sama mengutip basis data hingga Juli 2026 dengan angka lebih rendah, yaitu lebih dari 500 ribu merchant QRIS terdaftar, pertumbuhan merchant aktif 112 persen YoY, lebih dari 51 juta transaksi, dan nilai transaksi Rp3,5 triliun. Perbedaan itu mencerminkan basis waktu data yang berbeda; artikel ini mengutip versi terbaru (basis Agustus 2026) yang dipakai ANTARA dan EmitenNews. Seluruh angka tersebut merupakan data BSI sendiri atas ekosistemnya, bukan angka industri.
Sebagai gambaran skala nasional, Bank Indonesia mencatat bahwa hingga Juni 2026 QRIS telah digunakan oleh 65,77 juta pengguna dan diterima oleh 44,86 juta merchant, dengan 96,68 persen di antaranya UMKM. Data itu disampaikan dalam Siaran Pers Bank Indonesia No.28/167/DKom tertanggal 21 Agustus 2026.
Konteks aturan biaya platform
Langkah mendorong pedagang pasar masuk kanal digital berjalan bersamaan dengan penataan aturan perdagangan melalui sistem elektronik. Peraturan Menteri UMKM Nomor 3 Tahun 2026, yang diundangkan pada 17 Juni 2026, mengatur hak pelindungan pelaku usaha mikro dan kecil (UMK) serta kewajiban penyelenggara platform digital.
Menurut ulasan hukum Veritask, salah satu ketentuannya mewajibkan platform digital berskala besar memberi potongan Biaya Layanan minimal 50 persen kepada UMK terverifikasi yang hanya menjual produk dalam negeri, dengan pengecualian untuk produk pangan olahan siap saji dan produk elektronik buatan industri besar dalam negeri. Kewajiban perjanjian kemitraan berbasis digital dan ketentuan diskon biaya layanan itu dijadwalkan mulai berlaku pada 17 Desember 2026.
Sementara itu, Kompas.com pada 12 Agustus 2026 melaporkan bahwa Kementerian UMKM menargetkan diskon 50 persen biaya layanan marketplace mulai berlaku 1 Agustus 2026, tetapi target itu belum terealisasi karena kementerian masih melakukan integrasi dengan sejumlah platform e-commerce. Verifikasi dilakukan melalui sistem SAPA UMKM sebelum insentif diteruskan ke platform.
Yang perlu diperhatikan pelaku usaha
Semakin banyak pelaku usaha masuk kanal digital, isu pelindungan data ikut mengemuka. Pengamat keamanan siber Pratama Persadha, Direktur Eksekutif Communication & Information System Security Research Center (CISSReC), mengingatkan bahwa data pelanggan UMKM tidak otomatis aman hanya karena disimpan di platform perusahaan besar.
Kepada ANTARA pada 9 September 2026, Pratama menyarankan pelaku UMKM menerapkan autentikasi multifaktor, membuat kata sandi yang kuat dan berbeda untuk setiap layanan, serta membatasi akses ke akun bisnis sesuai kebutuhan. Ia juga menilai pelaku usaha perlu memahami kebijakan privasi platform yang dipakai, termasuk soal penyimpanan data, pembagian data dengan pihak lain, dan kemungkinan transfer data ke luar wilayah Indonesia yang diatur dalam Peraturan Pemerintah Nomor 33 Tahun 2026 tentang Pelindungan Data Pribadi.
Bagi pedagang pasar, rangkaian langkah ini menegaskan bahwa digitalisasi kini tidak berhenti pada alat pembayaran, melainkan menyangkut pencatatan transaksi, akses pembiayaan, dan kesiapan menghadapi aturan main baru di ruang digital. Ikuti perkembangan berita UMKM dan teknologi lainnya di cmnexus.com/news.
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Sumber
- ANTARA News — "Lima Ribu Pedagang Beringharjo Siap Songsong Era Baru, BSI Siapkan Transformasi Digital Pasar Ikonik Yogyakarta" (14 Sep 2026): https://www.antaranews.com/berita/5739775/lima-ribu-pedagang-beringharjo-siap-songsong-era-baru-bsi-siapkan-transformasi-digital-pasar-ikonik-yogyakarta
- EmitenNews — "BSI (BRIS) Layani 604 Ribu Merchant QRIS, Nilai Transaksi Rp5,7T" (14 Sep 2026): https://emitennews.com/news/bsi-bris-layani-604-ribu-merchant-qris-nilai-transaksi-rp57t
- Teropong Bisnis — "Perkuat Ekosistem Digital UMKM, BSI Gelar Soft Launching BYOND Merchant di Pasar Beringharjo Didukung Visi Transformasi Danantara Indonesia" (14 Sep 2026): http://teropongbisnis.id/detail/1506348/perkuat-ekosistem-digital-umkm-bsi-gelar-soft-launching-byond-merchant-di-pasar-beringharjo-didukung-visi-transformasi-danantara-indonesia
- Lampung Disway — "Pedagang Beringharjo Kini Bisa Terima Pembayaran Digital, BSI Hadirkan BYOND Merchant" (14 Sep 2026): https://lampung.disway.id/news/read/1185/pedagang-beringharjo-kini-bisa-terima-pembayaran-digital-bsi-hadirkan-byond-merchant
- BCA Sekuritas/IQPlus — "BSI Siapkan Transformasi Digital Pasar Ikonik Yogyakarta" (14 Sep 2026): https://bcasekuritas.co.id/latest-news/news/bsi-siapkan-transformasi-digital-pasar-ikonik-yogyakarta
- Google Play Store — aplikasi "BYOND Merchant by BSI" (diakses 15 Sep 2026): https://play.google.com/store/apps/details?id=co.id.bankbsi.qrismerchant
- Bank Indonesia — Siaran Pers No.28/167/DKom, "Karya Kreatif Indonesia 2026: Inovasi Digital Kunci UMKM Naik Kelas" (21 Agu 2026): https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2816726.aspx
- Veritask — "Permen UMKM No. 3/2026 Dongkrak Daya Saing UMK, Platform Digital Wajib Pangkas Biaya Layanan 50%" (22 Jun 2026): https://veritask.ai/id/artikel/permen-umkm-no-3-2026-dongkrak-daya-saing-umk-platform-digital-wajib-pangkas-biaya-layanan-50-persen
- Kompas.com — "Kapan Diskon 50 Persen Biaya Layanan Marketplace untuk UMKM Diberlakukan?" (12 Agu 2026): https://money.kompas.com/read/2026/08/12/180502026/kapan-diskon-50-persen-biaya-layanan-marketplace-untuk-umkm-diberlakukan
- ANTARA News — "UMKM perlu perhatikan keamanan data saat gunakan platform digital" (9 Sep 2026): https://www.antaranews.com/berita/5733857/umkm-perlu-perhatikan-keamanan-data-saat-gunakan-platform-digital
Yogyakarta, CMNexus. PT Bank Syariah Indonesia (Persero) Tbk (BSI) held an educational campaign on Market Ecosystem Solution Products and Services alongside the soft launch of the BYOND Merchant by BSI application at Beringharjo Market, Yogyakarta, on Monday, September 14, 2026. The initiative targets approximately 5,000 vendors who drive daily commercial activity in the iconic market, with the goal of bringing traditional markets further into the digital economic ecosystem.
Digitalization targets traditional markets
Beringharjo Market is recognized as the heartbeat of Yogyakarta's tourism economy and serves as a commercial hub for around 5,000 vendors serving the public and tourists daily. According to reporting by ANTARA, BSI does not want digitalization to grow only in modern shopping centers, but also to reach traditional markets where millions of MSME players drive the public economy.
"Beringharjo is Yogyakarta's primary icon. If Beringharjo moves, the surrounding economic ecosystem moves with it. That is why we want to invite Beringharjo vendors to continue growing in the digital economic era," said SEVP Digital Banking at BSI, M. Misbahul Munir.
Munir noted that shifts in how the public conducts transactions are inevitable. According to him, tourists and local residents alike are becoming increasingly accustomed to using digital payments in their day-to-day activities.
"Buyer behavior, especially payment methods, is changing. Vendors must also be ready to adapt. We do not want tourists arriving at Beringharjo with smartphones in hand, while vendors have yet to provide easy and practical digital payment options," he emphasized.
Deployed devices and tools
Through BYOND Merchant by BSI, vendors gain access to tools to manage business transactions. The service is reinforced by BSI's merchant solution ecosystem, which includes BSI QRIS, Soundbox, and EDC terminals. The BYOND Merchant by BSI application is also available for download on the Google Play Store, allowing business owners to access transaction solutions more conveniently in line with their business needs. According to the app listing on the Google Play Store, BYOND Merchant by BSI represents a new name and appearance for the BSI Merchant application.
Beyond offering digital transaction solutions, BSI stated it is conducting education on Market Ecosystem Solutions to help merchants understand transaction management, business development, and long-term financial planning. BSI also introduced Islamic financial products and services, including Business Savings, Micro Financing, Hajj Savings, Gold Savings, Gold Installments, and Gold Pawning.
"Vendors do not only need tools to accept payments. They need a partner to accompany their business journey—from transactions, managing finances, obtaining financing, to planning for the future. That is what we aim to build in Beringharjo," Munir said.
BSI merchant ecosystem figures
According to disclosures by BSI reported by ANTARA and EmitenNews, as of August 2026, the bank served more than 604 thousand registered QRIS merchants across Indonesia, up 17 percent year on year (YoY). The number of active merchants grew 106 percent YoY, with total transactions surpassing 90 million transactions valued at Rp5,7 triliun. Specifically in Yogyakarta, BSI serves over 23 thousand QRIS merchants.
Notably, an earlier release version circulated earlier that day cited a July 2026 database with lower figures: over 500 thousand registered QRIS merchants, active merchant growth of 112 percent YoY, more than 51 million transactions, and a transaction value of Rp3,5 triliun. This discrepancy reflects differing data cutoff dates; this article cites the latest version (as of August 2026) utilized by ANTARA and EmitenNews. All of these figures represent BSI's internal ecosystem data rather than industry-wide statistics.
For broader national context, Bank Indonesia recorded that as of June 2026, QRIS was utilized by 65.77 million users and accepted by 44.86 million merchants, 96.68 percent of which were MSMEs. These figures were published in Bank Indonesia Press Release No.28/167/DKom dated August 21, 2026.
Context of platform fee regulations
The push to onboard market vendors onto digital channels occurs alongside regulatory restructuring of trade via electronic systems. Minister of MSMEs Regulation Number 3 of 2026, promulgated on June 17, 2026, regulates legal protections for micro and small enterprises (MSEs) and the obligations of digital platform operators.
According to a legal review by Veritask, one provision mandates that large-scale digital platforms grant a Service Fee discount of at least 50 percent to verified MSEs selling exclusively domestic goods, with exemptions for ready-to-eat processed food products and electronic products manufactured by large domestic industries. The requirements for digital-based partnership agreements and the service fee discount provisions are scheduled to take effect on December 17, 2026.
Meanwhile, Kompas.com reported on August 12, 2026, that the Ministry of MSMEs had initially targeted the 50 percent marketplace service fee discount to take effect on August 1, 2026; however, this target was not realized as the ministry was still working on system integration with several e-commerce platforms. Verification is conducted via the SAPA UMKM system before incentives are applied across platforms.
Considerations for business owners
As more business operators enter digital channels, data protection concerns have also come to the fore. Cybersecurity analyst Pratama Persadha, Executive Director of the Communication & Information System Security Research Center (CISSReC), cautioned that MSME customer data is not automatically secure simply because it is hosted on large enterprise platforms.
Speaking to ANTARA on September 9, 2026, Pratama advised MSME owners to implement multi-factor authentication, generate strong and distinct passwords for each service, and restrict access to business accounts based on necessity. He also noted that business owners need to understand the privacy policies of the platforms they use, including rules on data storage, third-party data sharing, and potential cross-border data transfers outside Indonesia, as governed by Government Regulation Number 33 of 2026 on Personal Data Protection.
For market vendors, these developments highlight that digitalization no longer ends at payment tools; it encompasses transaction record-keeping, access to financing, and preparedness for new rules governing digital commerce. Follow further MSME and technology news developments at cmnexus.com/news.
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Sources
- ANTARA News — "Lima Ribu Pedagang Beringharjo Siap Songsong Era Baru, BSI Siapkan Transformasi Digital Pasar Ikonik Yogyakarta" (14 Sep 2026): https://www.antaranews.com/berita/5739775/lima-ribu-pedagang-beringharjo-siap-songsong-era-baru-bsi-siapkan-transformasi-digital-pasar-ikonik-yogyakarta
- EmitenNews — "BSI (BRIS) Layani 604 Ribu Merchant QRIS, Nilai Transaksi Rp5,7T" (14 Sep 2026): https://emitennews.com/news/bsi-bris-layani-604-ribu-merchant-qris-nilai-transaksi-rp57t
- Teropong Bisnis — "Perkuat Ekosistem Digital UMKM, BSI Gelar Soft Launching BYOND Merchant di Pasar Beringharjo Didukung Visi Transformasi Danantara Indonesia" (14 Sep 2026): http://teropongbisnis.id/detail/1506348/perkuat-ekosistem-digital-umkm-bsi-gelar-soft-launching-byond-merchant-di-pasar-beringharjo-didukung-visi-transformasi-danantara-indonesia
- Lampung Disway — "Pedagang Beringharjo Kini Bisa Terima Pembayaran Digital, BSI Hadirkan BYOND Merchant" (14 Sep 2026): https://lampung.disway.id/news/read/1185/pedagang-beringharjo-kini-bisa-terima-pembayaran-digital-bsi-hadirkan-byond-merchant
- BCA Sekuritas/IQPlus — "BSI Siapkan Transformasi Digital Pasar Ikonik Yogyakarta" (14 Sep 2026): https://bcasekuritas.co.id/latest-news/news/bsi-siapkan-transformasi-digital-pasar-ikonik-yogyakarta
- Google Play Store — "BYOND Merchant by BSI" app (accessed 15 Sep 2026): https://play.google.com/store/apps/details?id=co.id.bankbsi.qrismerchant
- Bank Indonesia — Press Release No.28/167/DKom, "Karya Kreatif Indonesia 2026: Inovasi Digital Kunci UMKM Naik Kelas" (21 Aug 2026): https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2816726.aspx
- Veritask — "Permen UMKM No. 3/2026 Dongkrak Daya Saing UMK, Platform Digital Wajib Pangkas Biaya Layanan 50%" (22 Jun 2026): https://veritask.ai/id/artikel/permen-umkm-no-3-2026-dongkrak-daya-saing-umk-platform-digital-wajib-pangkas-biaya-layanan-50-persen
- Kompas.com — "Kapan Diskon 50 Persen Biaya Layanan Marketplace untuk UMKM Diberlakukan?" (12 Aug 2026): https://money.kompas.com/read/2026/08/12/180502026/kapan-diskon-50-persen-biaya-layanan-marketplace-untuk-umkm-diberlakukan
- ANTARA News — "UMKM perlu perhatikan keamanan data saat gunakan platform digital" (9 Sep 2026): https://www.antaranews.com/berita/5733857/umkm-perlu-perhatikan-keamanan-data-saat-gunakan-platform-digital
