<![CDATA[This study examines the effect of E-Wallet Utilization, QRIS Utilization, and Digital Accounting Utilization on the Financial Management Quality of micro, small, and medium enterprises (MSMEs) in Medan City in 2024–2025, a period in which QRIS merchant acceptance in Indonesia passed 40 million. An associative quantitative design was applied to a survey of 150 MSME owners and managers in the culinary, retail trade, fashion, and service sectors, selected through purposive sampling and asked to rate their practices over the 2024–2025 business years. Data were collected with a five-point Likert-scale questionnaire and analyzed using partial least squares structural equation modeling (PLS-SEM) in SmartPLS 4. The measurement model met all validity and reliability criteria. E-Wallet Utilization (β = 0.243; t = 3.539; p < 0.001), QRIS Utilization (β = 0.256; t = 3.616; p < 0.001), and Digital Accounting Utilization (β = 0.385; t = 5.673; p < 0.001) each had a positive and significant effect on Financial Management Quality. Together, the three variables explained 49.8% of the variance in Financial Management Quality. Digital Accounting Utilization had a medium effect size (f² = 0.220), while E-Wallet Utilization (f² = 0.086) and QRIS Utilization (f² = 0.090) had small effect sizes. The findings suggest that digital payment tools support better financial management, but the largest gain comes from digital bookkeeping, so digitalization programs for MSMEs in Medan should pair payment tools with accounting training]]>
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