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All Journal Indonesian Journal of Innovation Studies
Rafisar, Ahdaniati
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Computer Science & IT Education Engineering Law, Crime, Criminology & Criminal Justice

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Boosting MSME Growth in Indonesia Through E-Payment Adoption: Mendorong Pertumbuhan UMKM di Indonesia Melalui Adopsi Pembayaran Elektronik Rafisar, Ahdaniati; Prapanca, Detak
Indonesian Journal of Innovation Studies Vol. 25 No. 2 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v25i2.1147

Abstract

Technological advancements have enhanced information access, leading to innovations in financial technology such as e-payment systems. This study investigates the impact of a less cash society, perceived convenience, and trust on MSMEs' (Micro, Small, and Medium Enterprises) intention to adopt e-payment in Sidoarjo. Using purposive sampling and the Slovin formula, data were collected from 100 respondents and analyzed with SEM-PLS. Results show that all three factors significantly influence the adoption of e-payment systems. These findings highlight the benefits of e-payment services and emphasize the need for service providers to promote ease of use and security, and for policymakers to establish protective regulations to encourage adoption. Highlight: Impact Factors: Key factors include less cash society, convenience, and trust. Methodology: Data from 100 MSMEs analyzed using SEM-PLS. Implications: Emphasize ease of use, security, and protective regulations. Keyword: Financial technology, e-payment, MSMEs, less cash society, trust
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