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QRIS has also been implemented in several tourist attractions [10] and public transport ticketing apps. [ 11 ] [ 12 ] By October 2023, the number of QRIS merchants had already reached 29.6 million, along with 43.44 million users, with 92 percent of the merchants being MSMEs.
[1] [2] A payment system is an operational network which links bank accounts and provides for monetary exchange using bank deposits. [3] Some payment systems also include credit mechanisms, which are essentially a different aspect of payment. Payment systems are used in lieu of tendering cash in domestic and international transactions. This ...
The lowest passing grade in an exam is usually D or 1 point and to be considered for graduation students must obtain a minimum cumulative GPA of 2.000. Universities are free to (and hence, might) adopt different grading systems or standards at will.
[10] [20] Standard Indonesian is confined mostly to formal situations, existing in a diglossic relationship with vernacular Malay varieties, which are commonly used for daily communication, coexisting with the aforementioned regional languages and with Malay creoles; [19] [14] standard Indonesian is spoken in informal speech as a lingua franca ...