Can Financial Advantages and Digital Payments Adoption Provide Effective Solutions to Improve SMEs' Performance?

Ayatulloh Michael Musyaffi

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Technology Adoption and User Behaviour SMEs Development and Digital Marketing Health, Technology, Consumer Behavior

Abstract

The impact of COVID-19 has affected all industries, including SMEs.Digitalization is increasing, so it requires SMEs to adapt.This study's goal is to gain a general understanding of merchant acceptability of the digital payments through the integration of the TAM, Information system success and ECT.The target of this research is SMEs that use digital payments in Indonesia.By using accidental sampling, 342 respondents were obtained.Then, Data were analyzed using SEM-PLS.The main finding show that SMEs satisfaction (SMS) is the most significant factor in improving the performance of SMEs (SP).All TAM constructs, such as perceived usefulness (PUD), perceived ease of use (PEOD) and intention to use digital payment (IUDP), are confirmed to have significant interrelationships.Financial advantage (FA) in this study also has a positive relationship with IUDP.Meanwhile, digital payment quality (DPQ) also relates to PUD and IUDP.Meanwhile, DPQ, PUD, and PEOD were confirmed to have a relationship with SMS.The results of this study also illustrate that FA does have a positive impact, but the contribution of SMEs satisfaction has the most impact in improving the performance of SMEs.So it is crucial to evaluate the satisfaction of SMEs both in terms of quality and features, convenience, and security of digital payment technology.To increase awareness, Digital payment service providers should focus on the system's use and safety.so that SMEs can use digital payment services comfortably.In addition, from the government aspect, it also improves the cashless climate by making supportive policies, such as increasing financial literacy for SMEs and increasing standardized data security.

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2022Partial Least Squares Structural Equation Modeling (PLS-SEM) in second language and education research: Guidelines using an applied example 2022How do digital capabilities affect firm performance? The mediating role of technological capabilities in the “new normal”2021A mediated model on the adoption of social media and SMEs’ performance in developing countries 2017Cloud computing in manufacturing: The next industrial revolution in Malaysia?2019Cloud computing adoption and its impact on SMEs’ performance for cloud supported operations: A dual-stage analytical approach 1954Research Methods in the Behavioral Sciences 2020Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India 2017Internet usage, user satisfaction, task-technology fit, and performance impact among public sector employees in Yemen

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