technology

Getting To Know NFC, The Technology That Supports The Latest Services From BI QRIS Tap

Bank Indonesia (BI) has launched the latest payment system, QRIS (Quick Response Code Indonesian Standard) Tap or QRIS Tap, by simply attaching a cellphone to a reader machine without having to scan a QR Code like the previous system. This payment system integrates Near Field Communication (NFC) technology for more practical, efficient, and secure transactions. This payment service will start in the first quarter of 2025. 

"We will implement NFC Tap, if there are no obstacles in the first quarter, it can be implemented. Currently, ASPI is ready, the industry is ready, we are preparing business and technical aspects," said Filianingsih Hendarta, Deputy Governor of BI during a press conference in Jakarta, quoted from CNA. 

Near Field Communication or commonly abbreviated as NFC is a wireless technology that allows two devices to communicate and exchange information instantly when brought close together, within a maximum distance of 4 cm. Working through low-frequency radio waves, 

NFC connects devices wirelessly or to the internet. Similar to RFID, but with a more limited range, NFC is widely found in smartphones, credit cards, electronic tickets, and wearable devices such as smartwatches. A popular example of NFC utilization is in the contactless payment system in e-wallet or digital wallet applications. 

NFC Functions 

- Contactless payments. Users can make payments simply by bringing their credit card or smartphone that supports NFC close to the EDC (Electronic Data Capture) machine at the cashier. 

- Data storage and transfer. In addition to payments, NFC also makes various other activities easier. For example, moving photos and videos between devices, or exchanging contacts and website links, is now as easy as touching two devices. 

- Security and control access. NFC is widely used in security systems, for example in building or hotel access cards. Users simply bring their NFC-enabled card or device close to the reader to open the door or access a restricted area. This method offers convenience while increasing security, because only the owner of the NFC device has the right to enter the area. 

- NFC can be used for public transportation systems. This can be found on cards that use the NFC system or smartphones to enter public transportation systems such as buses and trains. 

- Several other devices such as smart watches or fitness bracelets also use NFC technology. For this, NFC allows the device to connect with other devices or payment systems, offering convenience and speed in various activities.

Tag: NFC QRIS Technology