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All Journal Integra Business Review
Subur Gunawan
Universitas Putra Bangsa, Kebumen

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Digital Transformation and Business Performance of Indonesian Small and Medium Enterprises Subur Gunawan; Nur Kamilah; Risfanda Nurhudiana
Integra Business Review Vol. 3 No. 2 (2025): December 2025
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-648

Abstract

Digital transformation has become increasingly important for the development and performance of small and medium enterprises (SMEs) in Indonesia. This study aims to examine and synthesize previous findings concerning digital transformation and its contribution to SME business performance. The study employed a literature review method based on relevant studies discussing digital transformation, e-commerce adoption, digital payment, social media utilization, organizational readiness, digital business strategy, and business performance among Indonesian SMEs. The findings indicate that digital transformation is a multidimensional process involving changes in business models, marketing activities, transaction systems, customer interaction, and business strategies. E-commerce, social media, and digital payment provide opportunities to expand market access, facilitate transactions, and strengthen customer engagement. However, the effectiveness of digital transformation depends not only on technology adoption but also on organizational readiness, technological capabilities, and strategic integration. Overall, the study concludes that digital transformation can support improved SME business performance when digital technologies are integrated with organizational capabilities and appropriate business strategies.
Digital Payment Adoption and Financial Performance of MSMEs in Indonesia Subur Gunawan; Artadhea Aurelia Candra Chairina; Desinta Hafina Sari
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-722

Abstract

Digital transformation has driven changes in the operations of micro, small, and medium-sized enterprises (MSMEs), including in the use of digital payment systems. This study aims to synthesize the literature on the relationship between the adoption of digital payments and the financial performance of MSMEs in Indonesia, as well as to identify the factors that support and hinder their adoption. The study employs a literature review method with a qualitative descriptive approach through the identification, comparison, and synthesis of relevant prior research. The analyzed literature covers discussions on QRIS, e-wallets, financial literacy, financial knowledge, perceived ease of use, perceived benefits, perceived risk, sales performance, business performance, and financial performance. The results of the synthesis indicate that digital payments can support ease of transactions, payment flexibility, sales activities, and the financial performance of MSMEs. However, their utilization is influenced by financial knowledge and literacy, ease of use, perceived benefits, perceived risks, and the readiness of business owners. Therefore, the optimization of digital payments must be accompanied by improvements in digital capabilities and financial literacy to provide sustainable benefits for MSMEs.
Co-Authors Artadhea Aurelia Candra Chairina Desinta Hafina Sari Nur Kamilah Risfanda Nurhudiana