KEPENTINGAN INDONESIA DALAM INTEGRASI FINANSIAL ASEAN MELALUI QR CROSS BORDER

This research explores Indonesia's interests in ASEAN financial integration through the implementation of QR Cross Border. The background to this research is rooted in the ASEAN agreement to strengthen cooperation and harmonization of policies in the financial sector, which is regulated in the Roadmap for ASEAN Integration in Finance (RIA-Fin). QR Cross Border is an important innovation in the cross-border payment system which allows financial transactions between ASEAN countries to be carried out more efficiently and safely via QR codes. The implementation of this technology is expected to facilitate cross-border trade, increase regional economic integration, and strengthen Indonesia's position in the ASEAN economic security architecture. This research uses the concept of Regional Integration and National Interests to analyze how QR Cross Border supports Indonesia's national interests, especially in increasing transaction efficiency, supporting financial stability, and increasing the competitiveness of Indonesian banking at the international level.