Peran Financial Technology Berbasis Digital Payment System E-Wallet dalam Meningkatkan Literasi Keuangan

Abstract

This study aims to determine the role of financial technology based on the digital payment system e-wallet in improving financial literacy in MSMEs. Financial technology based on the digital payment system e-wallet is a financial service that can help MSME actors to make payment transactions easily and automatically provide financial recording facilities related to cash receipt transactions that occur in the business of MSME actors. There are 4 levels of financial literacy, namely not literate, less literate, sufficient literate, and well literate. Financial literacy in this study was measured by knowledge and understanding, risks and benefits, features, security and confidentiality, and skills in using e-wallet used by MSME owners. The study was conducted on 2 MSME coffee shops that use financial technology based on the digital payment system e-wallet, namely Wiji Kopi and Tradition Ngopi. The type of research in this study is qualitative with a case study approach. This research uses spiral data analysis technique. This study uses primary data and secondary data in the form of interviews, observations, literature studies, and documentation. Research results The application of financial technology based on the digital payment system e-wallet facilitates the business activities of MSME coffee shop actors, especially in terms of managing payment transactions in their business so as to increase the financial literacy of coffee shop MSME actors.

Taksonomi Fintech: Klasifikasi dan Implikasi Teknologi Finansial di Era Digital

“…• Pembayaran Digital: Transaksi keuangan elektronik difasilitasi oleh berbagai teknologi seperti e-wallet, pembayaran seluler, dan sistem pembayaran lainnya. E-wallet, seperti yang didasarkan pada sistem pembayaran digital (Maulidah, Krisdiyawati, and Utami 2022). • Pinjaman Online: Platform pinjaman peer-to-peer, crowdfunding, dan layanan pinjaman berbasis teknologi lainnya telah berdampak signifikan pada sektor keuangan, menawarkan solusi inovatif untuk meminjam dan berinvestasi (Hendri, Suriyanto, and Pranacitra 2023).…”

Peningkatan Literasi Keuangan dalam Mewujudkan Pengelolaan Keuangan Keluarga yang Baik pada Masyarakat Desa Raoda Kolaka Utara

“…Kemampuan seseorang dalam pengelolaan keuangan yang baik didukung dengan pemahaman literasi keuangan yang baik pula. Literasi keuangan merupakan salah satu factor pendukung dalam pencapaian tujuan keuangan yaitu kesehteraan keuangan (Maulidah et al, 2022). Seseorang ibu rumah tangga yang memiliki pemahaman literasi yang baik akan meningkatkan rasa tanggungjawab dalam pengelolaan keuangan keluargannya.…”

The Influence of the Use Financial Technology, Owner Financial Literacy, and Risk Tolerance on the Performance of MSMEs in Indonesia

“…Concurrently, the level of financial literacy among MSME owners remains a critical determinant of business success (Maulidah et al, 2022). Despite efforts to improve financial literacy through educational programs and initiatives, disparities persist, with many MSME owners lacking the necessary knowledge and skills to make informed financial decisions (Bancoro, 2023;Hasiholan & Noveria, 2023).…”