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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Bima Journal : Business, Management and Accounting Journal Journal of Research in Social Science and Humanities Jurnal Fokus Manajemen Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Akuntansi, Manajemen dan Bisnis Digital Jurnal Indonesia Raya Jurnal Dehasen Untuk Negeri Jurnal Pusat Manajemen Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management
Nia Indriasari
Universitas Dehasen Bengkulu
Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Digital Payment and Financial Technology: Their Impact on the Financial Performance of MSMEs in Yogyakarta Eska Prima Monique Damarsiwi; Andriyani Prawitasari; Nia Indriasari
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11866

Abstract

Digital transformation has driven significant changes in the business activities of MSMEs, particularly in the areas of transactions and financial management. The use of digital payments and financial technology (FinTech) is one strategy that can improve operational efficiency, expand access to financial services, and support improved business performance. This study aims to analyse the impact of digital payments and financial technology on the financial performance of MSMEs in the Special Region of Yogyakarta. The study employs a quantitative approach using explanatory research methodology. Data were collected through the distribution of questionnaires to 200 MSME operators selected using purposive sampling. The Digital Payment variable was measured using indicators of QRIS usage, e-wallet usage, ease of transactions, transaction speed, transaction security, and ease of transaction recording. The Financial Technology variable was measured using indicators of ease of access to digital financial services, ease of obtaining digital financing, efficiency of business financial management, and ease of monitoring transactions and cash flow. Meanwhile, Financial Performance was measured through sales growth, profit growth, operational cost efficiency, improved cash flow, and increased profitability. Data analysis was carried out using multiple linear regression with the aid of SPSS software. The results of the study indicate that Digital Payment has a positive and significant effect on Financial Performance.
Co-Authors Abdul Rahman Akbar Ilahi Aldi Zulfikar Aldizulfikar Aldizulfikar Andriyani Prawitasari Damarsiwi, Eska Prima Monique Deka Amlia Desti Hendayani Dodi Asmawi Dwi Kurniawan Fadila Putri Lauara Fikri Nazih Juniansyah Galuh Hardiyanti Hasan Abdulah Heru Orbandi Ida Anggraini Ida Anggriani Ida Anggriani Ida Ayu Made Er Metha Gayatri Iswi Dana Utama Putra Iswidana Utama Putra Kadri Kadri Kamelia Astuty Karona Cahya Susena Lusi Aprika Mira Andina Muhammad Rahman Febliansa Nela Puspita Sari Neri Susanti Nina Nina Nyoman Jepri Arianto Olan Rizki Oni Yulianti Ripi Pitriyanti Ripi Pitriyanti Sadad Radansyah Secilia Racmi serly mayang sari Suwarni Tinsi Afriani Tito Irawanto Tito Irwanto Tri Febrina Tri Hadi Purnomo Wagini Yanto Efendi Yesi Indian Ariska Yollandah Yollandah Yudi Irawan Abi Yun Fitriano