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All Journal Fundamental and Applied Management Journal
Sri Budi Cantika Yuli
University of Muhamamdiyah Malang
Economics, Econometrics & Finance Social Sciences

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Digital Transformation and MSME Well-being: The Mediating Role of Digital Transaction Security Novi Primita Sari; Sri Budi Cantika Yuli
Fundamental and Applied Management Journal Vol. 4 No. 3 (2026): September
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i3.772

Abstract

This study analyzes the relationship between Digital Transformation and MSME Welfare with Digital Transaction Security as a mediating variable. A quantitative approach was used through a survey of 150 MSME actors in Malang Regency, Indonesia, who have utilized digital technology in their business activities. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results showed that Digital Transformation had a positive effect on MSME Welfare (β = 0.298; p = 0.002) and Digital Transaction Security (β = 0.611; p < 0.001). Digital Transaction Security also had a positive effect on MSME Welfare (β = 0.541; p < 0.001). Mediation analysis proved that Digital Transaction Security partially mediates the relationship between Digital Transformation and MSME Welfare (β = 0.330; t = 5.701; p < 0.001). The model demonstrated good explanatory power (R² = 0.373 and 0.592) and high predictive relevance (Q² = 0.744). These findings underscore the importance of strengthening transaction security, digital literacy, and institutional support to improve MSME welfare through digital transformation.
Co-Authors Novi Primita Sari