{"id":42473,"date":"2026-07-03T20:40:07","date_gmt":"2026-07-03T12:40:07","guid":{"rendered":"https:\/\/hteknologi.com\/blog\/?p=42473"},"modified":"2026-07-03T20:40:07","modified_gmt":"2026-07-03T12:40:07","slug":"bnm-mansuh-qr-tertutup-jun-2028","status":"publish","type":"post","link":"https:\/\/hteknologi.com\/blog\/bnm-mansuh-qr-tertutup-jun-2028\/","title":{"rendered":"BNM akan mansuhkan Rangkaian Pembayaran QR Tertutup di Malaysia menjelang Jun 2028"},"content":{"rendered":"

Bank Negara Malaysia (BNM) menetapkan rangkaian pembayaran QR proprietari atau tertutup perlu dihentikan sepenuhnya selewat-lewatnya pada 30 Jun 2028. Pelaksanaan tersebut dibuat menerusi Kerangka Pemindahan Dana Boleh Saling Kendali, iaitu Interoperable Fund Transfer Framework (IFTF).<\/p>\n

Langkah itu bermaksud bank dan pengeluar e-dompet yang terlibat perlu beralih kepada ekosistem QR yang saling beroperasi. Tujuannya untuk membolehkan pengguna membuat bayaran menggunakan mana-mana aplikasi bank atau e-dompet yang mengambil bahagian tanpa bergantung pada rangkaian tertutup milik penyedia tertentu.<\/p>\n

Perubahan utama<\/strong><\/h2>\n

Di bawah kerangka baharu yang dikeluarkan pada 30 Jun 2026, rangkaian QR proprietari sedia ada mesti ditamatkan menjelang 30 Jun 2028, manakala institusi yang terkesan tidak lagi dibenarkan mendaftar pedagang baharu ke dalam skim QR tertutup sepanjang tempoh peralihan dua tahun itu.<\/p>\n

BNM turut menetapkan bank dan pengeluar e-dompet yang menggunakan infrastruktur pembayaran bersama perlu menyokong pembayaran QR yang boleh saling beroperasi. Dalam pada masa yang sama, pemeroleh pedagang perlu memastikan pedagang mereka boleh menerima bayaran daripada pelanggan semua institusi kewangan yang mengambil bahagian dalam infrastruktur sama.<\/p>\n

Apa itu Rangkaian QR proprietari<\/strong><\/h2>\n

\"\"Rangkaian QR proprietari merujuk kepada sistem bayaran tertutup yang dikendalikan oleh bank atau penyedia e-dompet tertentu, di mana peniaga dan pengguna lazimnya perlu berada dalam rangkaian yang sama untuk transaksi berlaku.<\/p>\n

Dalam amalan harian, keadaan ini menyebabkan sebahagian peniaga memaparkan kod QR yang hanya menerima bayaran daripada aplikasi tertentu, berbeza dengan model boleh saling kendali yang membolehkan satu kod digunakan merentas pelbagai aplikasi.<\/p>\n

Pindah ke infrastruktur bersama<\/strong><\/h2>\n

Menurut BNM, peralihan ini akan menumpukan pembayaran QR kepada infrastruktur pembayaran runcit masa nyata atau Real-time Retail Payments Platform (RPP), yang menggerakkan perkhidmatan seperti DuitNow QR dan DuitNow Transfer.<\/p>\n

Kesan kepada pengguna ialah pengalaman pembayaran di kaunter dijangka menjadi lebih seragam kerana satu kod QR boleh digunakan dengan pelbagai aplikasi bank dan e-dompet yang mengambil bahagian. Ia dapat mengurangkan keperluan peniaga mempamerkan beberapa kod berbeza.<\/p>\n

Implikasi kepada industri<\/strong><\/h2>\n

\"\"BNM mengekalkan tempoh peralihan dua tahun bagi memberi ruang kepada bank, penyedia e-dompet dan pihak berkaitan menyesuaikan sistem serta model perniagaan mereka sebelum tarikh akhir penguatkuasaan penuh pada Jun 2028.<\/p>\n

Dalam pada masa yang sama, laporan susulan menyatakan penyedia perkhidmatan masih boleh mengekalkan program ganjaran, kempen pemasaran dan ciri nilai tambah lain dalam infrastruktur bersama itu. Kebimbangan interoperabiliti akan menjejaskan penawaran komersial sedia ada juga dapat dikurangkan dengan mengekalkan penawaran sedia ada..<\/p>\n

Skop lebih luas<\/strong><\/h2>\n

Selain pembayaran QR, IFTF turut merangkumi pindahan akaun ke akaun dan pembayaran rentas sempadan, dengan keperluan berkaitan transaksi rentas negara akan mengikut garis masa pelaksanaan skim Nexus yang akan diumumkan kemudian oleh BNM.<\/p>\n

Kerangka baharu itu juga mengekalkan keperluan supaya pindahan dana domestik yang layak sehingga RM5,000 ditawarkan secara percuma kepada pengguna kewangan apabila dibiayai daripada akaun semasa, simpanan atau e-wang, di samping mewajibkan langkah perlindungan pengguna seperti notifikasi transaksi segera dan kawalan had transaksi dalam talian.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bank Negara Malaysia (BNM) menetapkan rangkaian pembayaran QR proprietari atau tertutup perlu dihentikan sepenuhnya selewat-lewatnya pada 30 Jun 2028. Pelaksanaan tersebut dibuat menerusi Kerangka Pemindahan Dana Boleh Saling Kendali, iaitu Interoperable Fund Transfer Framework (IFTF). Langkah itu bermaksud bank dan pengeluar e-dompet yang terlibat perlu beralih kepada ekosistem QR yang saling beroperasi. Tujuannya untuk membolehkan […]<\/p>\n","protected":false},"author":3,"featured_media":42474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[8810],"tags":[8816,9172,10394],"class_list":["post-42473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perbankan","tag-bnm","tag-duitnow","tag-qr"],"yoast_head":"\nBNM 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