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All Journal Krisna: Kumpulan Riset Akuntansi
Gazali
Program Studi Manajemen, Universitas Madura
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The DIGITAL FINANCIAL LITERACY PAYMENT APPLICATION AS AN OPTIMIZATION FOR IMPROVING MSME BUSINESS Gazali; Nurul Alfian; Rohmaniyah; Nilam Ramadhani
KRISNA: Kumpulan Riset Akuntansi Vol. 17 No. 2 (2026): KRISNA: Kumpulan Riset Akuntansi
Publisher : Faculty of Economics and Business, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/kr.17.2.2026.185-192

Abstract

Technological developments have brought us to a condition where financial literacy has turned into digital financial literacy (DFL). Research Method In this research, the Prototype method is used because it functions as an initial version of the system. The Prototype method will produce a system as an intermediary between the Developer and the User because it can make it easier for the User to choose a system that suits what is expected. Making a simple software model with a basic depiction used to make the design is the meaning of a prototype. The result of this research is that this application offers various practical features, from bill payments, and money transfers, to online purchases. Apart from that, using the BYLA application can increase ease and efficiency in digital payments which can involve various strategies and innovations aimed at making the payment process faster, safer, and more comfortable for users.
Co-Authors Nilam Ramadhani Nurul Alfian Rohmaniyah