Innovation Diffusion in Community-Based Digital Payment Adoption

Ucu Supriatna (International Women University, Indonesia)
M. Syafarudin Mahaputra (Universitas Islam Nusantara, Indonesia)

Kriez Academy
Vol. 2 No. 7 (2025): Kriez Academy - July

Background: Innovation Diffusion in Community-Based Digital Payment Adoption has practical relevance for community-facing organizations because visible activity does not necessarily translate into durable organizational or stakeholder outcomes. In community-based digital payment adoption, managers must coordinate digital workflows, data definitions, user access, platform rules, support processes, and security controls while responding to expectations from users, staff, managers, technology partners, and community organizations. A program may expand reach or participation and still underperform when responsibilities are unclear, information is fragmented, or fragmented records. Aims: This article develops a capability-based framework explaining how innovation diffusion may contribute to adoption, continued use, and inclusion. It distinguishes simple activity from coordinated capability and identifies boundary conditions that can weaken otherwise positive relationships. Research Method: The paper uses an integrative conceptual review of established literature relevant to the focal domain, organizational capabilities, stakeholder relationships, and learning. It does not claim primary survey, interview, experimental, or transaction data. Results and Conclusion: The synthesis identifies four mutually dependent mechanisms: readiness and problem fit, process and data integration, assisted adoption and inclusion, and learning and governance. Their value depends on transparent governance, usable information, proportionate participation requirements, and a review process that converts exceptions into improvement. The article argues that higher activity alone is an inadequate indicator of success because benefits can coexist with hidden workload, exclusion, dependency, or weakened trust. Contribution: The article contributes a diagnostic framework, linked performance indicators, six propositions for empirical testing, and a fivestage implementation pathway that can be used in resource-constrained community organizations.