E3S Web of Conferences (Jan 2023)

Digital Transformation: Optimizing the Use of E-Payment Gateways for MSME Performance

  • Agustina Duwi,
  • Yusnita Maya,
  • Fitari Tiara

DOI
https://doi.org/10.1051/e3sconf/202344007005
Journal volume & issue
Vol. 440
p. 07005

Abstract

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The development of the times and the rapid progress of the economy in Indonesia has made the business world currently required to take strategic steps in order to compete with other businesses, especially Micro, Small and Medium Enterprises (MSMEs). The e-payment system makes it possible to provide convenience in transactions rather than using cash. In addition to increasing payment efficiency, increasing customer loyalty and further increasing the effectiveness and efficiency of time. This study aims to analyze the effect of e-payment gateways on the performance of MSMEs in the food and beverage sector in Pangkalpinang City. The method used in this study is a quantitative method with a sample of MSME actors in the food and beverage sector in Pangkalpinang City, totaling 100 respondents. The data analysis tool used in this study used SPSS Version 24 with multiple linear regression tests. Based on the research results, it can be concluded that e-payment has a positive and significant effect on the performance of micro, small and medium enterprises because e-payment activities are able to provide convenience for transactions, increase time efficiency and effectiveness, reduce costs required for various payment documents that are done manually.

Keywords