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All Journal Ekonomi Bisnis JURISMA: Jurnal Riset Bisnis & Manajemen International Journal of Business, Law, and Education Wadiah : Jurnal Perbankan Syariah International Journal of Applied Business and International Management Journal Markcount Finance Sharia Oikonomia Law Journal West Science Social and Humanities Studies Jurnal Pengabdian Masyarakat dan Riset Pendidikan West Science Islamic Studies JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan IEB: Journal of Islamic Economics and Business
Ariyanti, Rini
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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Journal : International Journal of Business, Law, and Education

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How Fintech Adoption, Digital Payment Systems, and Consumer Trust Shape Financial Performance of MSMEs Nurchayati, Nurchayati; Ariyanti, Rini; Marianingsih, Ita
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.895

Abstract

This study investigates the impact of fintech adoption, digital payment systems, and consumer trust on the financial performance of micro, small, and medium enterprises (MSMEs). Using data from 400 MSMEs, the research employs multiple regression analysis to explore the relationships between these factors. The results reveal that fintech adoption has the strongest positive influence on financial performance, followed by digital payment systems and consumer trust. Additionally, consumer trust moderates the relationship between digital payment systems and financial performance, highlighting the importance of customer confidence in driving business success. These findings emphasize the need for MSMEs to embrace digital financial solutions and build trust with their customers to improve their financial outcomes. The study provides practical implications for MSME owners, policymakers, and industry leaders, encouraging the adoption of fintech and digital payment systems as crucial tools for achieving competitive advantage and financial sustainability.
Co-Authors Camelia, Atika Nora Christiaan, Pemy Costa, Tiago Deasy Wulandari Fajar Wahyu Prianto Fatticia, Rika Harjoni Harjoni Husaini Husaini Judijanto, Loso Julyarman, Nasrun Lima, Lucas Maghfiroh , Fachrial Lailatul Mahardiyanto, Agus Marianingsih, Ita Muhammad Ade Kurnia Harahap N. Ari Subagio Naqiyya, Nihal Rannan Nurchayati Nurchayati Nurrokhim, Isma Riansaputri, Hesti Dwi Riesna Apramilda Robby Reza Zulfikri Roikhan Mochamad Aziz, Roikhan Mochamad Sarif, Akbar Silva, Pedro Sri Suryani Subandono, Agus Sucipto, Bambang Tyahya Whisnu Hendratni Wahyuningratna, Ratu Nadya