Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Journal of Artificial Intelligence and Digital Business Advances in Management & Financial Reporting
Weku, Christoffel E F
Sekolah Tinggi Ilmu Ekonomi Nusantara Makassar
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Exploring Trust and Perceived Risk in Digital Payment Adoption among MSMEs: A Phenomenological Approach Weku, Christoffel E.F.; Aldrin, Andi Indah Deliyanti; Ridha, Achmad
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6637

Abstract

Digital payment systems have expanded rapidly in Indonesia, offering micro, small, and medium enterprises (MSMEs) opportunities to improve transaction efficiency and strengthen financial inclusion. However, adoption among MSMEs remains uneven, suggesting that technological benefits alone do not fully explain acceptance. This study explores how MSME owners in Makassar experience trust and perceived risk in adopting digital payment systems. Using a qualitative phenomenological approach, data were collected through in-depth semi-structured interviews with twelve MSME owners operating across diverse sectors in Makassar. The interviews were transcribed verbatim and analyzed manually through iterative data reduction, coding, and thematic development to capture the essence of participants’ lived experiences. The findings reveal four interconnected themes. First, trust emerged as an experiential outcome shaped by repeated successful transactions and perceived system reliability. Second, perceived risk persisted as an emotional concern, particularly related to financial loss and loss of control during transaction uncertainty. Third, trust and risk were actively negotiated through social validation from peer MSMEs and institutional cues such as regulatory legitimacy. Fourth, trust and perceived risk jointly shaped adoption as an adaptive process, leading to selective and hybrid usage patterns rather than full replacement of cash transactions. This study contributes to digital payment adoption literature by reframing trust and perceived risk as lived, dynamic experiences embedded in everyday business practices. Practically, the findings highlight the need for payment providers and policymakers to strengthen system reliability, improve transparent dispute-handling mechanisms, and leverage community-based trust-building strategies to support sustainable digital payment adoption among MSMEs.
Sustaining Prosperity: Exploring Fiscal and Financial Sustainability in the Context of Dynamic Fiscal Policy William S Limoa; Christoffel E F Weku
Advances in Management & Financial Reporting Vol. 2 No. 2 (2024)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/amfr.v2i2.276

Abstract

Purpose: This study explores how fiscal policy and financial sustainability support sustainable economic prosperity amid global instability. It examines the impact of government taxation and spending decisions on economic outcomes, aggregate demand, employment, inflation, social welfare, infrastructure development, and income inequality. Financial sustainability is analyzed through prudent fiscal management and debt sustainability, focusing on long-term government finance viability and mitigating fiscal risks. Research Design and Methodology: The study employs a qualitative methodology, incorporating a comprehensive literature review of theoretical works, empirical studies, and policy analyses. Data is collected through systematic reviews of scholarly articles, books, policy reports, and official publications. Thematic analysis techniques, including coding and categorization, synthesize findings, with reflexivity to consider assumptions and biases. Findings and Discussion: The research underscores the importance of flexibility and adaptability in fiscal policy, highlighting automatic stabilizers and countercyclical policies for economic stabilization and sustainable growth. Prudent debt management, including debt restructuring and fiscal consolidation, is vital for mitigating fiscal risks and ensuring debt sustainability. The findings emphasize integrating fiscal sustainability with broader economic and social goals and the need for institutional reforms and international cooperation to enhance fiscal governance. Implications: The study provides insights for policymakers on the importance of fiscal prudence and sustainability. It advocates for a balanced approach that addresses short-term stabilization and long-term goals and calls for institutional reforms to improve fiscal discipline, transparency, and accountability. By integrating interdisciplinary perspectives, policymakers can develop resilient and sustainable fiscal policies that promote long-term prosperity and social equity.
Co-Authors Achmad Ridha Aldrin, Andi Indah Deliyanti William Surya Limoa