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All Journal JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Minda Baharu Journal of Innovation and Future Technology (IFTECH) Jurnal Abdimas Bina Bangsa PROSISKO : Jurnal Pengembangan Riset dan observasi Rekayasa Sistem Komputer West Science Interdisciplinary Studies West Science Interdisciplinary Studies Jurnal Multidisplin Ilmu Green Engineering: Journal of Engineering and Applied Science Integrated System and Management Technology Big Data Analytics and Data Science
Solihin Solihin
Politeknik PGRI Banten
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Mathematics Mechanical Engineering Social Sciences Other

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Analysis of the Impact of Fintech Innovation, Digital Trust, and Consumer Education on the Financial Performance of MSMEs in Tangerang City Dwi Saleha; Ahmad Ahmad; Solihin Solihin; Dwiati Marsiwi; Eko Sudarmanto; Surya Ramadhan Noor
West Science Interdisciplinary Studies Vol. 4 No. 01 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i01.2589

Abstract

The rapid development of financial technology (fintech) has transformed the way Micro, Small, and Medium Enterprises (MSMEs) manage their financial activities, particularly in urban areas such as Tangerang City. This study aims to examine the impact of fintech innovation, digital trust, and consumer education on the financial performance of MSMEs. A quantitative research approach was employed using primary data collected from 150 MSME owners and managers in Tangerang City through a structured questionnaire measured on a five-point Likert scale. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The results reveal that fintech innovation has a positive and significant effect on MSME financial performance. Digital trust also shows a significant and positive influence and emerges as the strongest determinant of financial performance. In addition, consumer education significantly contributes to improved financial performance by enhancing financial literacy and the effective use of digital financial services. Collectively, these findings indicate that MSME financial performance in the digital era is driven by an integrated framework combining technological innovation, trust in digital systems, and human capital development. The study provides practical insights for policymakers, fintech providers, and MSME stakeholders in developing inclusive and sustainable digital financial ecosystems.
Co-Authors Ahmad ahmad Ahmad Dedi Jubaedi Asep Yana Yusyama Asro Asro Bentar Priyopradono Dodi Dwi Saleha Dwiati Marsiwi Dwiyatno, Saleh Erni Krisnaningsih Febri Adi Prasetya Holilah Holilah Irlon Irlon Istiqomah Rohmawati Iswandi idris John Chaidir Khasan Asrori Muhamad Furqon Puspita Maelani R Dewi Mutia Farida Reni Haerani Rosdiana Rosdiana Sudarmanto, Eko Suhardianto Surya Ramadhan Noor Tuti Susilawati Yandri Fatah Maulana