International Journal of Accounting & Finance in Asia Pasific
Vol 9, No 3 (2026): October 2026

Digitalisation, Techno-stressor, and Digital Readiness: Their Effects on Job Stress and MSMEs’ Performance

Khoirul Hikmah (Universitas Pembangunan Nasional “Veteran” Yogyakarta)
Arief Subiyantoro (Universitas Pembangunan Nasional “Veteran” Yogyakarta)
Marita Marita (Universitas Pembangunan Nasional “Veteran” Yogyakarta)
Rifqi Syarif Nasrulloh (Universitas Nahdlatul Ulama Yogyakarta)
Aditya Wardana (Universitas Pembangunan Nasional “Veteran” Yogyakarta)
Muhammad Ilham Fawwaz (Universitas Pembangunan Nasional “Veteran” Yogyakarta)



Article Info

Publish Date
20 Oct 2026

Abstract

Digitalisation in the Society 4.0 era has accelerated the adoption of digital technologies among MSMEs’. While digital transformation improves efficiency and competitiveness, it may create psychological pressure related to technology use. This study examines the effect of digitalisation on job stress and digital performance among MSMEs in Yogyakarta, with techno-stressor as a mediating variable and digital readiness as a moderating variable. The research uses a quantitative approach based on survey data from 171 MSME owners and managers using digital technologies in business operations. Data were analysed using Partial Least Squares Structural Equation Modeling with SmartPLS 4.1. The results show that digitalisation does not directly affect job stress or techno-stressor. However, techno-stressor significantly increases job stress. Digital readiness strengthens the relationship between digitalisation and techno-stressor and positively affects digital performance. These findings indicate that the psychological impact of digital transformation in MSMEs depends more on technological pressure and organisational readiness. Strengthening digital readiness through training and organisational support is essential to improve digital performance

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Journal Info

Abbrev

IJAFAP

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

IJAFAP aims to feature narrative, theoretical, and empirical-based research articles within the abovementioned fields. The journal welcomes articles relating to the current issues of financial decision making as well as its impact on society. IJAFAP carries out the mission to feature narrative, ...