<![CDATA[Digital transformation in micro, small, and medium enterprises (MSMEs) depends not only on technology availability but also on business owners’ readiness to accept, learn, trust, and use technology in business activities. This study analyzes the structure of MSME technology readiness through optimism, innovativeness, discomfort, insecurities, and technologies & usage. A quantitative approach was applied to 171 businesses located in Bandung City, Bandung Regency, West Bandung Regency, Cimahi City, and Sumedang. The analysis combined descriptive statistics and factor analysis for each construct using the Kaiser-Meyer-Olkin (KMO) measure, Bartlett’s Test of Sphericity, total variance explained, and factor loadings. All constructs met the initial factorability criteria, with KMO values ranging from 0.814 to 0.952 and Bartlett’s Test p<0.001. Optimism showed the strongest factor structure, explaining 73.846% of the variance with loadings ranging from 0.767 to 0.905. Innovativeness, discomfort, insecurities, and technologies & usage explained 46.521%, 48.842%, 47.243%, and 49.339% of variance, respectively, indicating moderate structures that require attention to selected indicators. The findings suggest that perceived efficiency, willingness to experiment with new technology, understandable technical support, and the need for transaction evidence and verification are central to MSME digital readiness. These results provide an empirical basis for designing technology-adoption programs that better match MSME characteristics.]]>
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