Relevant bibliographies by topics / Digital payment system; MSMEs; Cashless

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Academic literature on the topic 'Digital payment system; MSMEs; Cashless'

Author: Grafiati
Published: 7 June 2025
Last updated: 9 July 2025

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Journal articles on the topic "Digital payment system; MSMEs; Cashless"

1

Mustika and Ni Made Tisnawati S.E. M.Si. Dr. "Analysis of the Readiness for Digitalization of Cashless Payment Systems in Msmes in South Kuta Subdistrict, Badung District, Bali Province." International Journal of Social Science and Human Research 07, no. 11 (2024): 8526–31. https://doi.org/10.5281/zenodo.14193988.

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The development of the digitalization process and the use of technology in the elements of economic influences the payment system in society. One of the main aspect in the transaction process is the payment system used. This research aims to first analyze digitalization readiness cashless payment system for MSMEs in South Kuta, secondly to analyze the simultaneous and partial influence of the owner's skills MSMEs, digital access and digital ecosystems. This research uses a quantitative approach in associative form. The data used in this research is primary data using purposive sampling techniques collection obtained from MSMEs owners in South Kuta, 98 people. The analysis technique used is analysis binary logistic regression. The research results show the readiness of MSMEs owners in South Kuta as seen from the skill variable of MSMEs owners, digital access, and digital ecosystems have differences with research previously. Simultaneously the skills of MSMEs owners, digital access, and the digital ecosystem has a significant influence on the readiness of the digitalization system non-cash payments (cashless) for MSMEs in South Kuta. By the partial variables digital access and digital ecosystem have a significant positive effect while the skills of MSMEs owners do not have a significant effect on readiness to digitize the non-cash (cashless) payment system for MSMEs in South Kuta. Based on research results, to increase readiness MSMEs are advised to ensure that digital access is provided properly and constructively stable digital ecosystem, and the government is expected to consider regulations discounts or transaction rates that apply to MSMEs.
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Fauja, Zalika, Muhammad Lathief Ilhamy Nasution, and Budi Dharma. "THE IMPLEMENTATION OF CASHLESS PAYMENT SYSTEM IN THE MSMES SECTOR IN THE PERSPECTIVE OF ISLAMIC ECONOMICS TO ENCOURAGE THE DEVELOPMENT OF THE DIGITAL ECONOMY (CASE STUDY OF POSBLOC MEDAN CITY)." istinbath 22, no. 1 (2023): 57–74. http://dx.doi.org/10.20414/ijhi.v22i1.580.

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The development of the digital economy presents new, increasingly diverse financial service products. One of them is non-cash payments or cashless payments, which are the latest innovations and are increasingly prevalent in buying and selling payments to MSMEs. This study aims to find out how the Cashless system is implemented in the MSME sector in the city of Medan, then to find out how the Islamic economic perspective is in implementing the Cashless payment system. This study uses a qualitative research method with data collection techniques, namely by observation, interviews, documentation on the UMKM posbloc in Medan city as well as a study of the literature to be analyzed with the author's observations to answer the formulation of the problem on this problem. The results of this study show that the Cashless system used by the Medan city posbloc is in several ways, namely debit cards, credit cards or by scanning the QRIS code (Quick Response Code Indonesian Standard). APMK (Payment using a card) or with a QRIS scan which has been promoted by Bank Indonesia provides convenience in making transactions with a cashless system without cash more efficiently and effectively. According to the Islamic economic perspective, QRIS is permissible because there is no usury in buying and selling payments to MSMEs. However, there are still a number of obstacles in the implementation of the cashless posbloc payment system in Medan city, one of which is the internet which is not stable enough, and the lack of outreach.
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Mubarak, Dzakisyah Alyus, Muhammad Heru Akhmadi, and Erlita Nurma Wati. "Implementasi Sistem Aplikasi Pembayaran Digital Payment Dalam Pelaksanaan Pembayaran Berbasis Cashless di Masa Pandemi Covid-19." JURNAL MANAJEMEN KEUANGAN PUBLIK 6, no. 2 (2022): 115–22. http://dx.doi.org/10.31092/jmkp.v6i2.1699.

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In line with the trend of increasing state expenditure payments, the government uses a digital system to carry out cashless-based payments. The digital system provides advantages in the effectiveness of state expenditure payments to the payee and supports the efficiency of state financial management. One of the digital systems used is the Digital Payment application developed by the Directorate General of Treasury. This study aims to review the use of the Digital Payment application in making non-cash payments to payees (suppliers) in the 2019-2021 period. This study used a qualitative method with literature study techniques and interviews with several informants. The results of this study indicate that the use of Digital Payment in non-cash-based payments is quite effective. Even so, there are still obstacles to the mindset, system flexibility, and human resources so the application has not been implemented optimally. To improve quality, it is necessary to improve the DigiPay application and continuous outreach to MSMEs and work unit treasurers. Keywords: Payment system, Digital Payment, Public Spending, Treasury
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Nwoke, Linda, Ifeanyi, Atemoagbo, Oyarekhua Precious, Abdullahi Aisha, and Siyan Peter. "The Impact of Cashless Policy on the Performance of Msmes in Nigeria Using Aritificial Neural Network." International Journal of Social Sciences and Humanities Invention 9, no. 08 (2022): 7182–93. http://dx.doi.org/10.18535/ijsshi/v9i08.09.

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This study investigates the impact of cashless policy on the performance of Micro, Small, and Medium-Sized Enterprises (MSMEs) in Suleja, Nigeria, using Neural Network regression model. A survey research design was employed to collect data from 400 MSMEs, which were segmented into three clusters based on their cashless payment system adoption using Artificial Neural Network Clustering algorithm. The results show that the MSMEs were segmented into three clusters, with Cluster 1 having high adoption (n=150, 37.5%), Cluster 2 having moderate adoption (n=120, 30%), and Cluster 3 having low adoption (n=130, 32.5%). The study found that the adoption of cashless payment systems has a significant positive impact on the financial performance of MSMEs, with Cluster 1 having the highest financial performance (mean profit margin = 25.6%, SD = 5.2). Neural network regression model was used to predict business performance metrics, with a moderate level of predictive performance (MSE = 2.867, RMSE = 1.693, MAE = 1.693, MAPE = 42.33%). Feature importance analysis reveals that Health/Pharmacies and Repair of Home Gadgets are the most important features, with a mean dropout loss of 1.353. The findings of this study are important for policymakers, business owners, and researchers in the areas of financial inclusion, digital payments, and MSME development. The study highlights the potential benefits of cashless policy on the financial performance of MSMEs and identifies key factors that influence the adoption of cashless payment systems. The results can inform policy interventions and business strategies aimed at promoting financial inclusion and improving the performance of MSMEs in Nigeria and similar contexts.
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Usman, Osly, Inkreswari Retno Hardini, and Adnan Kasofi. "Integrated QR payment system: Cashless payment solution in developing countries from the perspective of MSMEs." International Journal of Innovative Research and Scientific Studies 8, no. 2 (2025): 1424–32. https://doi.org/10.53894/ijirss.v8i2.5470.

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This study explores the implementation of QRIS (Quick Response Code Indonesian Standard) based cashless payment systems among MSMEs in Jakarta. Using descriptive and explanatory survey methods, the data were analyzed through Partial Least Square (PLS). The main focus of the research is to examine the effect of Mobile Usefulness and Perceived Ease of Use variables on Attitude Toward Using and Behavioral Intention to Use QRIS. The results showed that Mobile Usefulness has a positive and significant impact on Attitude Toward Using and Behavioral Intention to Use. Perceived Ease of Use also has a significant effect on Attitude Toward Using, but not on Behavioral Intention to Use. This study identifies QRIS adoption challenges, such as infrastructure limitations, low digital literacy, and people's preference for cash. This research provides strategic recommendations for the government and startups to accelerate QRIS adoption, increase digital inclusion, and prepare for a cross-border payment ecosystem by 2025. By understanding user attitudes and intentions, this study contributes to the development of more inclusive and efficient cashless payment solutions for MSMEs in Indonesia.
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Denny Riyanto, Eka Sriwahyuni, and Andi Harpepen. "ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT UMKM MUSLIM MENGGUNAKAN QUICK RESPONSE CODE INDONESIA STANDARD (QRIS) DI KELURAHAN PAGAR DEWA KOTA BENGKULU." Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah 16, no. 1 (2024): 13–28. http://dx.doi.org/10.20414/mu.v16i1.9466.

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Bank Indonesia (BI) launched a Quick Response (QR) standard for payments through server-based electronic money applications, digital wallets, or mobile banking. Quick Response Code Indonesian Standard is a unification of various types of QR from various Payment System Service Providers (PJSP) using QR Code developed by Bank Indonesia and the Indonesian Payment System Association which aims to integrate all cashless payment methods in Indonesia. In the era of digit trends the growing number of merchants switched to non-cash payment systems. The purpose of this study is to determine the factors that influence the use of QRIS for MSMEs in the city of Bengkulu, to analyze the benefits and facilities of the interest of MSME users in the city of Bengkulu.
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Putri Metri, Dona. "Advancing Msmes Through Global Integration and Cross-Border Connectivity: Opportunities for Qris-Based Payment Code Development." Edunity Kajian Ilmu Sosial dan Pendidikan 3, no. 1 (2024): 113–25. http://dx.doi.org/10.57096/edunity.v3i1.221.

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Indonesia's rapid economic development in the digital era has witnessed a significant shift from traditional cash-based public payments to digital systems. Digital payments offer enhanced convenience, efficiency, security, and user-friendliness. Among these digital payment methods, QR Codes have emerged as a crucial solution, particularly during the COVID-19 pandemic, which led to a slump in the Indonesian economy due to social distancing measures. The adoption of the Quick Response Indonesian Standard (QRIS) as a cashless payment method by most Micro, Small, and Medium Enterprises (MSMEs) in Indonesia presents a promising solution due to its numerous advantages, including instant payment, enhanced security, easy setup, high reliability, and absence of associated charges. However, QRIS payments face limitations as they are inaccessible to foreigners without bank accounts or connections to Indonesian payment operators. To address this challenge, the Indonesian government has collaborated with four ASEAN countries to integrate the QRIS system with their respective user bases. Nevertheless, the global utilization of QRIS remains a problem that this study aims to address. One approach to promoting cross-border QR payment cooperation is to bolster the economic progress of MSMEs in each country. The objective of this study is to highlight the significant opportunities for developing integrated connectivity and cross-border QR payment codes in Indonesia. Further research is necessary to advance the development of prototypes, designs, and the implementation of integrated connectivity and cross-border QR payment code linkage on a global scale.
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Arief Bachtiar, Mohhammad Wesla Dhifayana Sukirman, Natasha Claudia Ambarita, Diva Delia Rossa Nicolas, Vinda Cendrawati, and Wardah Fadiah Salsabila. "Penggunaan Qris Sebagai Sistem Cashless Dalam Meningkatkan Efisiensi Transaksi Umkm di UPN “Veteran” Jawa Timur." Jurnal Manajemen dan Ekonomi Kreatif 2, no. 1 (2023): 140–46. http://dx.doi.org/10.59024/jumek.v2i1.285.

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The era of the digital economy, known as the fourth industrial revolution, has brought significant technological advances, especially in the field of digital payment systems. Although this system has advantages and disadvantages, this system is generally superior to other payment systems. It is importat to note that the presence of a digital payment system does not mean eliminating physical cash. Carrying out research regarding the use of QRIS for MSMEs in the UPN “Veteran” East Jawa canteen uses a quantitative apporach to collect and analyze data related to the efficiency of MSME transactions in the UPN Veteran East Jawa canteen using QRIS as an electronic payment method. The sample for this research was taken randomly from MSMEs in the UPN “Veteran” East Jawa canteen. Directly from the knowledge of business actors to the obstacles faced, this discussion chapter discusses in detail the key findings that emerged during the research process.1. business Actors’ Knowledge of Qris. 2. Benefits of QRIS for Business Actors. 3. Barriers to Business Actors in Using QRIS. 4. Practical Implications and Recomendations. 5.Ease and Speed of Transactions. 6. Cheaper Transaction Fees. 7. Improved Transaction Records. 8. Inflation Control and Monitoring of Goods Prices
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Siti Aisyah, Nia Andriani, Niken Rahmadyah, Deby Novriansyah, Amelia Putri, and Elsa Mayori. "Implementasi Teknologi Financial Dalam Qris Sebagai Sistem Pembayaran Digital Pada Sektor Umkm Di Kota Binjai." Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) 3, no. 1 (2023): 12–18. http://dx.doi.org/10.55606/jpkmi.v3i1.925.

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Increasing, resulting in several changes fo;;owed by technological devlopments in the industrial revolution. One form of progress in internet technology is the use of financial technology in payment systems where payment transaction methods are facilitated by the phenomenon of a cashless society or payments using electronic money. MSMEs also experience this impact which emphasizes the importance of internet use. QRIS is the latest innovation in digital payments, namely the Quick Response Code Indonesian standard. QRIS, which was intiated by Bank Indonesia, provides convenience intransactions anywhere and anytime. This study aims to find out how the implementation of financial technology in QRIS as a Digital Payment System in the MSME Sector in Binjai Cuty. This research uses qualitative descriptive method. Data collection techniques, namely using observation, interviews, documentation and literature studies which will be analyzed through the author’s observations to answer the formulation of the research that the researcherts conducted in order to socialize the implementation of the use of QRIS in several MSMEs in the city of Binjai, namely street vendors such as Dayana Ponsel, Seafood Meatball Traders, Takoyaki Kimono, Geprek Chicken Vendors Adek Sri who are in the city Binjai. Through the interview method of several respondents from street vendors, the results of the study proved that 20% of MSME actors already use the the payment system using QRIS, but 80% of MSME traders do not know what QRIS is. QRIS helps merchants (MSMEs) to make payments mor ppractical, fast and secure and with the convenience of these transactions people choose to shop and will indirectly increase income for MSME players.
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Nisa, Sakinatun, and Hendri Hermawan Adinugraha. "The Effectiveness of the Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System for MSMEs." Journal of Economics, Management, Accounting and Computer Applications 1, no. 1 (2024): 34–39. http://dx.doi.org/10.69693/jemaca.v1i1.5.

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The rapid advancement of technology has brought significant changes in society, particularly in the economic sector. The latest technological developments, especially in financial technology, have facilitated Indonesians in their daily activities, access to information, and business development. The rise of digital economy through innovations in financial technology has led to the emergence of cashless payment systems, such as QR code-based payment systems. Despite the benefits of these systems, challenges such as inadequate internet infrastructure and lack of public participation hinder their effectiveness, especially in rural areas like Rowoyoso village in Pekalongan Regency. This study aims to explore the effectiveness of implementing the QRIS payment system for Micro, Small, and Medium Enterprises in Rowoyoso Village, Pekalongan Regency. The qualitative research approach involves data collection through interviews with MSMEs owners and observations at the research site. Findings indicate that while QRIS offers convenience and transparency in financial transactions, challenges such as poor internet connectivity and low community participation pose barriers to its successful implementation. The research contributes to understanding the impact of digital payment systems on MSMEs and highlights the importance of addressing infrastructure and community engagement issues for the effective adoption of QRIS. The findings suggest that QRIS can enhance business operations, streamline financial management, and improve security compared to traditional cash transactions. By evaluating the effectiveness of the QRIS payment system, this study provides insights for policymakers, financial institutions, and MSMEs owners to enhance the digital payment ecosystem in rural areas like Rowoyoso village.
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Book chapters on the topic "Digital payment system; MSMEs; Cashless"

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Sharma, Prof (Dr ). S. D., Dr Saman Khan, Dev Vashishtha, and Vinay Kumar Yadav. "PRESENT SCENARIO OF ELECTRONIC PAYMENT SYSTEM: PROS AND CONS." In ECONOMIC, SOCIAL, AND TECHNOLOGICAL DYNAMICS IN CONTEMPORARY INDIA. NOBLE SCIENCE PRESS, 2023. http://dx.doi.org/10.52458/9789388996969.nsp2023.eb.ch-17.

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The financial stability of each country rests heavily on its payment system, which also facilitates international trade. The use of currency is being phased out in India. To combat money laundering and lessen the role currency plays in the Indian economy, the government in New Delhi started the Digital India Campaign. In an effort to move toward a cashless India, there has been a flurry of innovation in the realm of digital payment systems. The current state of electronic payment systems demonstrates a dramatic improvement in the efficiency and security of monetary transactions. The purpose of this study was to catalog the problems plaguing e-payment systems and to propose ways to fix them. This research is the first step in what will hopefully be a thorough assessment of the many studies conducted on the topic of electronic payment systems and their many components. Recent studies were reviewed to have a deeper understanding of the many different electronic payment options now available.
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Kasim, Mohd Saniazle, and Mohar Yusof. "Digital Entrepreneurship and Innovation." In Handbook of Research on Social Impacts of E-Payment and Blockchain Technology. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-7998-9035-5.ch024.

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This chapter is based on a case study that highlights the digital entrepreneurship and innovation of an entrepreneurial venture and team aspiring to address cash flow management issues and pains faced by the micro, small, and medium-sized enterprises (MSMEs) in Malaysia. The entrepreneurial team pioneered the revolutionization of the barter trade concept by developing a digital solution and platform branded as Kongsi (initially named Qu Exchange). Kongsi is a solution using digital trade points which act as a medium of exchange in replace of cash. This solution can solve cash flow problems faced by MSMEs with the creation of a non-cash alternative financing platform, combining and integrating the concept of barter trade and a point-based system. In this case study, the authors examined two critical success factors for digital entrepreneurship and innovation. This case study exemplifies a venture and entrepreneurial team capable of assembling strategic resources to create and sustain competitive advantages to survive and grow in a highly competitive FinTech environment.
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Lu, Lerong. "Fintech in Monetary and Payment Systems." In Global Fintech Revolution. Oxford University PressOxford, 2024. http://dx.doi.org/10.1093/9780191884597.003.0007.

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Abstract This chapter analyses Fintech application in monetary and payment systems, as a final case study. Money is at the heart of any financial system. Both public and private sectors have proposed to create their own digital currency for the future economy. The chapter discusses the operating mechanisms, benefits, and limitations of three generations of digital money: blockchain-based cryptocurrencies (e.g., BTC and Ethereum) and stablecoins (e.g., Tether and Diem), as well as CBDCs (e.g., Digital Pound, Digital Euro, Digital Yuan, Digital Dollar). It assesses popular mobile payment systems around the world (e.g., Apple Pay, Android Pay, Alipay, WeChat Pay), including those based on NFC technology or QR code. It also analyses the official initiative of building a cashless society proposed by governments and financial authorities. The case study of digital money showcases the breadth and depth of the global Fintech revolution.
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Bhasin, Narinder Kumar, and Anupama Rajesh. "Study of Increasing Adoption Trends of Digital Banking and FinTech Products in Indian Payment Systems and Improvement in Customer Services." In Collaborative Convergence and Virtual Teamwork for Organizational Transformation. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-4891-2.ch012.

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The objective of massive adaptation of digital payments by the banks with the support of the central bank of any country along with their government agencies is to improve customer services and satisfaction in the online payment systems in place of cashless and paperless payment systems. There are very few researches that have focused to measure the higher customer satisfaction based on factors like trust, risk-free, secure, transparent, accountability of banks, fintech, regulator, and payment system operators. This chapter analyzes the impact of digital banking and fintech in the Indian banking system, initiatives taken by RBI, NPCI, and the government to build the strong trust of customers in online payment systems to ensure improvement in customer services with higher customer satisfaction.
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Ananth, Indira, and Dananjayan Madhava Priya. "Digitalization and Growth of Small Businesses." In Advances in E-Business Research. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7262-6.ch009.

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On November 8, 2016, Government of India declared demonetization of all Rs. 500/- and Rs.1000/- currency notes towards a cashless society and create a digital India. The point of sale (PoS) and prepaid instruments are the most popular systems currently installed by merchants and service providers for receiving payments from customers. The primary focus of the study is to understand the adaptability, affordability, acceptability, and sustainability of the payments system as seen from the point of view of small merchants. A total of 221 responses were collected in Chennai. Results show that cash remains the most preferred mode for business. It is required for the working capital, payment of employee remuneration, wages, and others. With regards to the use of payment systems such as POS and prepaid instruments, awareness needs to be created of the benefits in having non-cash transactions. Improving credit worthiness and eligibility to receive loans from banks is one such benefit which would convince the merchants. However, too many systems could confuse the merchants and customers.
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Conference papers on the topic "Digital payment system; MSMEs; Cashless"

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Ekasari, Novita, Rosmeli Rosmeli, and Rista Aldilla Syafri. "Digital Cashless Payment Readiness Model on MSMEs Using Technological-Organization-Environtment (TOE) Framework: Study on MSME Users Gopay and Ovocash)." In The 3rd Green Development International Conference (GDIC 2020). Atlantis Press, 2021. http://dx.doi.org/10.2991/aer.k.210825.043.

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Pahwa, Dr S. K., and Ms Nidhi Rajak. "IMPACT OF DIGITAL PAYMENT SYSTEMS ON CUSTOMER IMPULSIVE BUYING BEHAVIOR." In Transforming Knowledge: A Multidisciplinary Research on Integrative Learning Across Disciplines. The Bhopal School of Social Sciences, 2025. https://doi.org/10.51767/ic250118.

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The Indian economy is growing at an unprecedented pace, and the increasing popularity of digital payments is a testament to this growth, India is coming out as a master in the area of digital payments, almost 42% of Indians use cashless methods for their financial transactions which also affects their buying behavior this research paper plans to investigate the influence of Digital Payment System on impulsive buying behavior of Customers. The companies and government must understand this impact which will help them to make their strategies and plans for the future. The study was conducted via structured survey using a questionnaire consisted three sections Demographics, use of digital payments, and its impact on The study surveyed 350 individuals from Jabalpur city, selected through a simple random sampling method. According to the findings, the ease of cashless payment methods influences the Customer’s impulsive buying behavior.
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