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All Journal Cakrawala Pendidikan Jurnal Kependidikan: Penelitian Inovasi Pembelajaran Niagawan Journal of Education and Learning (EduLearn) Dinamika Pendidikan LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) Assets: Jurnal Akuntansi dan Pendidikan GERVASI: Jurnal Pengabdian kepada Masyarakat JCRS (Journal of Community Research and Service) Reswara: Jurnal Pengabdian Kepada Masyarakat Jurnal Akuntansi dan Keuangan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi Jurnal Pendidikan Progresif Dinamika Pendidikan
Gaffar Hafiz Sagala
Fakultas Ekonomi, Universitas Negeri Medan
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Beyond Perception: Integrating Institutional Support, Financial Literacy, and System Quality For M-Wallet Adoption Among MSMEs Dedy Husrizal Syah; Aried Sumekar; Gaffar Hafiz Sagala
Assets: Jurnal Akuntansi dan Pendidikan Vol. 15 No. 1 (2026)
Publisher : Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/jap.v15i1.23529

Abstract

This study wants to bridge the gap between positive perceptions and actual adoption of fintech by integrating the perspectives of the Technology Acceptance Model (TAM), the Information Systems Success Model, Institutional Theory, and the Resource-Based View. This study aims to analyze the influence of financial literacy, government support, and vendor support on system quality and information quality, as well as the role of digital technology use on information quality on m-wallet platforms. Using a quantitative approach with Structural Equation Modeling (SEM-PLS), the study involved 214 MSME respondents in Medan City who use m-Wallet services. The results indicate that financial literacy and government support have a significant impact on system quality. Furthermore, both system quality and the use of digital technology positively affect information quality. However, vendor support does not affect system quality. Practically, this study found that system quality is a critical mediator of information quality, which is significant for business decision-making. Therefore, fintech developers should ensure the quality of fintech systems to provide credible information to business communities. This study also suggests that the government should enhance digital financial literacy programs and integrate them with fintech adoption policies.
Co-Authors Ali Fikri Hasibuan Andri Zainal Aried Sumekar Aried Sumekar Armayanti, Nelly Azizul Kholis Azizul Kholis, Azizul Dedy Husrizal Syah Dedy Husrizal Syah, Dedy Husrizal Deo Demonta Panggabean Dongoran, Faisal Rahman Eko Wahyu Nugrahadi Eko Wahyu Nugrahadi Faisal Rahman Dongoran Hafsah Hafsah Heri Retnawati Jufri Darma Khairuddin E. Tambunan Muhammad Bukhori Dalimunthe Mukti Hamjah Harahap, Mukti Hamjah Nasriah Nasriah Nurhayani, Ulfa Ramdhansyah Ramdhansyah Rangga Restu Prayogo, Rangga Restu Rini Heriliani Rosmala Dewi Sondang Aida Silalahi Sriwedari, Tuti Sukirno Sukirno Taufik Hidayat Taufik Hidayat Thohiri, Roza Tri Effiyanti Wildansyah Lubis Zaenal, Andri Zuraida Lubis