JOURNAL OF SCIENCE AND SOCIAL RESEARCH
Vol. 9 No. 5 (2026): October (2026)

PENGARUH DIGITAL PAYMENT TERHADAP KINERJA KEUANGAN BISNIS PARIWISATA DI KOTA PADANG

Endang Afriyeni (Politeknik Negeri Padang)
Aisyah Rendini (Politeknik Negeri Padang)
Zulfitri Yani (Politeknik Negeri Padang)
Ika Yuanita (Politeknik Negeri Padang)



Article Info

Publish Date
19 Oct 2026

Abstract

Abstract: The development of digital technology has changed payment systems, including in tourism businesses. Digital payment can speed up transactions and ease financial management, thereby potentially improving financial performance. This study aims to examine the effect of digital payment on the financial performance of tourism businesses in Padang City. A quantitative approach was used, with data collected through a Likert-scale questionnaire. The sample consisted of 85 respondents from a population of 559 tourism business actors, determined using the Slovin formula and selected through purposive sampling. Data were analyzed using simple linear regression in SPSS 27, after validity, reliability (Cronbach’s Alpha = 0.822), and classical assumption tests were satisfied. The results show that digital payment has a positive and significant effect on financial performance (regression coefficient = 0.418; t-value = 6.582 > t-table = 1.989; significance = 0.000 < 0.05). The coefficient of determination (R²) of 0.343 indicates that digital payment explains 34.3% of the variation in financial performance, while the remaining 65.7% is influenced by other factors outside this study. These findings confirm the role of digital payment in supporting the financial performance of tourism business actors. Keyword: digital payment; financial performance; tourism business; QRIS; Padang city.   Abstrak: Perkembangan teknologi digital telah mengubah sistem pembayaran, termasuk pada bisnis pariwisata. Penggunaan digital payment dapat mempercepat transaksi dan mempermudah pengelolaan keuangan usaha sehingga berpotensi meningkatkan kinerja keuangan. Penelitian ini bertujuan untuk mengetahui pengaruh digital payment terhadap kinerja keuangan bisnis pariwisata di Kota Padang. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui kuesioner skala Likert. Sampel berjumlah 85 responden dari populasi 559 pelaku usaha pariwisata (toko suvenir, hotel, restoran/rumah makan, dan biro perjalanan), ditentukan dengan rumus Slovin dan dipilih melalui teknik purposive sampling. Data dianalisis menggunakan regresi linear sederhana dengan bantuan SPSS 27 setelah instrumen dinyatakan valid dan reliabel (Cronbach’s Alpha = 0,822) serta memenuhi asumsi klasik. Hasil penelitian menunjukkan bahwa digital payment berpengaruh positif dan signifikan terhadap kinerja keuangan bisnis pariwisata di Kota Padang (koefisien regresi = 0,418; t hitung = 6,582 > t tabel = 1,989; signifikansi 0,000 < 0,05). Nilai koefisien determinasi (R²) sebesar 0,343 menunjukkan bahwa digital payment menjelaskan 34,3% variasi kinerja keuangan, sedangkan 65,7% dipengaruhi oleh faktor lain di luar penelitian ini. Hasil ini menegaskan peran penting digital payment dalam mendukung kinerja keuangan para pelaku usaha pariwisata. Kata kunci: digital payment; kinerja keuangan; bisnis pariwisata; QRIS; kota Padang.

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Journal Info

Abbrev

JSSR

Publisher

Subject

Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

Description

Journal of Science and Social Research is accepts research works from academicians in their respective expertise of studies. Journal of Science and Social Research is platform to disclose the research abilities and promote quality and excellence of young researchers and experienced thoughts towards ...