Model Blockchain Untuk Pembayaran Lintas Batas Negara Bagi UMKM

Bambang Purnomosidi Dwi Putranto
Rikie Kartadie - [ http://orcid.org/0000-0003-1947-353X ]
Femi Dwi Astuti


DOI: https://doi.org/10.29100/jipi.v9i4.6736

Abstract


UMKM (Usaha Mikro, Kecil, dan Menengah) memainkan peran krusial dalam perekonomian Indonesia, dengan sekitar 64,2 juta unit usaha yang menyerap 97% tenaga kerja. Di tengah dampak pandemi global, pemerintah meluncurkan Pemulihan Ekonomi Nasional, dengan UMKM sebagai fokus utama. Digitalisasi menjadi penting untuk meningkatkan ekspor dan memudahkan pembayaran lintas batas yang aman dan cepat. Hal ini juga menjadi bagian dari agenda Presidensi G20 Indonesia, yang menekankan pengembangan pembayaran lintas negara. Penelitian ini menggunakan pendekatan metode pencarian solusi (solution-seeking) untuk menghasilkan berbagai artefak desain, termasuk arsitektur menggunakan bahasa pemodelan ArchiMate, algoritma, model, dan peranti lunak untuk pembayaran lintas batas. Kami mengadopsi Blockchain Layer 1 Stellar, yang menawarkan protokol terbuka dan terdesentralisasi untuk transaksi mata uang digital dan fiat dengan biaya rendah. Hasil akhir dari penelitian ini adalah model peranti lunak yang memungkinkan pembayaran lintas negara menggunakan Blockchain Stellar, dengan pengembangan yang mengikuti metodologi Disciplined Agile Delivery (DAD). Dengan demikian, penelitian ini berkontribusi pada upaya digitalisasi UMKM dalam menghadapi tantangan ekonomi dan meningkatkan konektivitas global melalui pembayaran lintas batas yang lebih efisien.


Keywords


Digitalisasi; Pembayaran Lintas Batas Negara; UMKM; ArchiMate; Disciplined Agile Delivery; Blockchain; Stellar

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