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All Journal IRDH International Journal of Social Sciences & Humanities (IRDH IJSCH)
Maria Afensiana Tutoq Buangleraq
Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Humanities Social Sciences

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The Use of Financial Technology for the Success of SMEs (A Study of Bookstores at Togamas Dieng) Maria Afensiana Tutoq Buangleraq; Cakti Indra Gunawan; Willy Tri Hardianto
IRDH International Journal of Social Sciences & Humanities Vol. 3 No. 3 (2026): October
Publisher : International Research and Development for Human Beings (IRDH)

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Abstract

The purpose of this study is to examine how financial technology contributes to the success of Micro, Small, and Medium Enterprises (MSMEs), specifically at the Togamas Bookstore, Dieng Branch, Malang City. This is done considering the important role of MSMEs in the national economy and the rapid development of digital financial technology, which facilitates transactions, financial management, and increases business actors' access to financial services. This study uses a qualitative method with a descriptive approach, collecting data through observation, interviews, and documentation. Managers, employees, and customers were selected as informants through purposive sampling, and data analysis was carried out through data reduction, data presentation, and drawing conclusions. The research findings indicate that the Togamas Bookstore has integrated financial technology in the form of digital payment systems such as QRIS, debit cards, and credit cards, which have been proven to improve operational efficiency, accelerate transaction processes, and support more accurate and transparent financial records. From a customer perspective, the use of FinTech offers convenience, comfort, and increases transaction satisfaction.
Co-Authors Cakti Indra Gunawan Willy Tri Hardianto