<![CDATA[Digital transformation has become an essential component for enhancing business competitiveness in a rapidly evolving economic environment. For MSMEs (Micro, Small, and Medium Enterprises), financial resilience and business feasibility are pivotal for ensuring sustainable growth. However, many MSMEs still struggle to adopt digital tools effectively, resulting in inefficient resource management and limited financial insights. This study addresses the gap by examining the impact of digital transformation, particularly through the use of platforms like Lamikro and Fintech applications, on improving financial planning and operational efficiency. Using comprehensive ROI, NPV, and BEP analyses, the research highlights significant enhancements in profitability, decision-making accuracy, and risk mitigation among MSMEs that integrate digital technologies. The findings emphasize that digital transformation fosters better financial resilience and positions MSMEs for long-term competitiveness and sustainability in a dynamic market.]]>
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