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All Journal International Journal of Humanities Education and Social Sciences
Achmad Kautsar
State University of Surabaya
Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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The Role Of Digital Payment Mediation In The Adoption Of Digital Technology To Improve The Performance Of MSMEs In Tuban Regency Nara Dea Atha Raya; Achmad Kautsar; Nanang Hoesen Hidroes Abbrori; Muhammad Fajar Wahyudi Rahman
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 5 No 5 (2026): IJHESS APRIL 2026
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v5i5.2298

Abstract

Objective – This study aims to analyze the effect of technology adoption on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Tuban Regency and to examine the role of digital payment as a mediating variable in this relationship. The adoption of digital technologies and payment systems is expected to improve transaction efficiency, accelerate cash flow, and enhance financial transparency, which may ultimately improve MSME performance. Design/Methodology/Approach – This study uses a quantitative research design with a survey approach involving MSME actors in Tuban Regency. Data were collected through questionnaires distributed to MSME owners and managers. The analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test the direct and indirect relationships between technology adoption, digital payment usage, and MSME performance. Findings – The results show that technology adoption has a positive and significant effect on MSME performance. In addition, technology adoption significantly influences the use of digital payment systems. Digital payment also has a positive and significant effect on MSME performance and acts as a mediating variable that strengthens the relationship between technology adoption and MSME performance. Implications – The originality of this study lies in examining the mediating role of digital payment in the relationship between technology adoption and MSME performance within the context of local MSMEs in Tuban Regency. The findings provide theoretical contributions to digital technology adoption research and practical implications for policymakers and MSME stakeholders in encouraging digital transformation to improve competitiveness and sustainability in the digital economy.
Persepsi Kemudahan, Persepsi Manfaat, dan Persepsi Kepercayaan terhadap Minat Menggunakan Fitur Robo Advisor pada Aplikasi Bibit Oleh Investor Pemula di Indonesia Muchammad Haikal Akbar Winarko; Achmad kautsar; Achmad Fitro; Dhiyan Septa Wihara
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 6 No 1 (2026): IJHESS AUGUST 2026
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v6i1.2479

Abstract

The development of financial technology has increased the use of artificial intelligence-based digital investment services, including the Robo-Advisor feature in the Bibit application. This study aims to analyze the influence of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Perceived Trust (PT) on Behavioral Intention (BI) to use the Robo-Advisor feature on the Bibit application. This study employed a quantitative approach using purposive sampling involving 203 respondents who were novice investors and users of the Bibit application in Indonesia. Data were collected through an online questionnaire and analyzed using multiple linear regression with IBM SPSS Statistics 26. The results show that Perceived Ease of Use has no significant effect on Behavioral Intention (p = 0.097 > 0.05), while Perceived Usefulness (p = 0.000 < 0.05) and Perceived Trust (p = 0.002 < 0.05) have positive and significant effects on Behavioral Intention. Simultaneously, Perceived Ease of Use, Perceived Usefulness, and Perceived Trust have a significant effect on Behavioral Intention, as indicated by F = 129.554 with p = 0.000. The regression model has an Adjusted R² of 0.656, indicating that the three independent variables explain 65.6% of the variance in Behavioral Intention, while the remaining 34.4% is explained by other factors outside the research model. These findings indicate that perceived usefulness and perceived trust are more important factors than perceived ease of use in influencing users’ intention to use the Robo-Advisor feature on the Bibit application
Co-Authors Achmad Fitro Dhiyan Septa Wihara Muchammad Haikal Akbar Winarko Muhammad Fajar Wahyudi Rahman Nanang Hoesen Hidroes Abbrori Nara Dea Atha Raya