Eka Travilta Oktaria
Universitas Mitra Indonesia, Bandar Lampung, Indonesia

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Artificial Intelligence and Big Data Adoption in MSMEs: A Systematic Literature Review Ledyana Ayu Pratiwi; Subandi Subandi; Yuda Padriyadi; Eka Travilta Oktaria
Jurnal Studi Pemerintahan dan Akuntabilitas Vol 6 No 1 (2026): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jastaka.v6i1.6039

Abstract

Purpose: This study systematically reviews the literature on Artificial Intelligence (AI) and Big Data Analytics (BDA) adoption in Micro, Small, and Medium Enterprises (MSMEs), focusing on adoption drivers, organizational and dynamic capabilities, and performance outcomes.Research Methodology: A Systematic Literature Review (SLR) following PRISMA guidelines was conducted. Data were sourced from Scopus and Semantic Scholar for peer-reviewed journal articles published between 2015 and 2025. Based on predefined criteria, 33 articles were selected and analyzed using thematic analysis to identify the dominant themes, theoretical perspectives, and research gaps.Results: The review shows that MSMEs’ AI and BDA adoption is driven by technological readiness, managerial support, and environmental pressures. Crucially, neither AI nor BDA directly enhances firm performance. Their performance impact is indirect and occurs through the development of dynamic capabilities, particularly data-driven decision-making, organizational learning, and adaptability. These capabilities enable MSMEs to convert technology adoption into meaningful performance outcomes. However, prior studies are fragmented, often treating AI and BDA separately and focusing primarily on short-term performance effects.Conclusions: This review confirms that AI and BDA influence MSME performance solely through dynamic capabilities. Thus, integrating technology adoption theories with the dynamic capability perspective is essential to explain their role in sustainable performance and in digital transformation.Limitations: This study was limited to English-language journal articles indexed in selected databases.Contribution: This study offers a holistic framework that integrates technology adoption and dynamic capability perspectives for AI and BDA adoption in MSMEs.
Effect of Fintech Adoption on MSME Financial Performance in West Tulang Bawang Barat Tiara Prama Nur’Aizah; M.Ridwan Siddik; Dias Alief; Eka Travilta Oktaria
Jurnal Studi Pemerintahan dan Akuntabilitas Vol 6 No 1 (2026): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jastaka.v6i1.6281

Abstract

Purpose: This study aims to analyze the effect of fintech usage on the financial performance of Micro, Small, And Medium Enterprises (MSMEs) in Tulang Bawang Barat Regency. Research Methodology: This study employs a quantitative approach using a survey method. Data were collected from MSME owners using structured questionnaires. A purposive sampling technique was applied, resulting in 50 respondents being selected. Data were analyzed using multiple linear regression with the assistance of SPSS version 25. Results: The results show that the use of fintech has a positive and significant effect on MSME financial performance. Fintech adoption improves transaction efficiency, financial record management, and access to financial services, thereby enhancing the overall business performance. Conclusions: This study concludes that fintech usage significantly improves the financial performance by enhancing transaction efficiency, financial management, and access to financial services. However, the effectiveness of fintech adoption depends on the readiness and capability of MSME actors to utilize digital financial technology. Limitations: This study is limited to MSMEs in Tulang Bawang Barat Regency and considers only the fintech usage as the independent variable. Therefore, these findings may not be generalizable to other regions. Contributions: This study contributes to the literature by providing empirical evidence of the impact of fintech on MSME financial performance at the regional level. Practically, the findings offer insights for MSME owners and policymakers to promote Fintch adoption as a strategy to improve financial performance.