<![CDATA[Rapid technological advancement has transformed the financial sector, including for Micro, Small, and Medium Enterprises (MSMEs). This study examines the impact of effective fintech utilization, financial literacy, and financial inclusion on MSME financial access in Seberang Ilir Barat I District, Palembang, involving 100 MSME owner respondents. Based on SEM-PLS analysis, the research model successfully explains 70.2% of the variance in financial access (R2 = 0.702). The test results demonstrate that fintech effectiveness and financial inclusion have a positive and significant impact on improving financial access by facilitating transactions and integration into formal systems. However, financial literacy shows no significant effect. This indicates that practical engagement with digital platforms and formal financial systems plays a much more decisive role in expanding MSME financial access than theoretical financial understanding alone. The study recommends that MSME owners more actively adopt digital technology, and that future research expands the sample area]]>
Copyrights © 2026
