Digital Finance Adoption and MSME Business Sustainability in Banjarmasin: An Extended TAM Perspective

Novia Nour Halisa; Asrid Juniar; Dian Masita Dewi

doi:10.32535/jicp.v9i4.5169

Digital Finance Adoption and MSME Business Sustainability in Banjarmasin: An Extended TAM Perspective

Novia Nour Halisa, Asrid Juniar, Dian Masita Dewi

Abstract

The rapid development of digital finance provides MSMEs with opportunities to improve transaction efficiency, financial management, and business sustainability. This study is significant because it extends the Technology Acceptance Model (TAM) to explain digital finance adoption among MSMEs in Banjarmasin, Indonesia. The study aims to examine the factors influencing digital finance adoption and their impact on operational efficiency and MSME business sustainability. The findings indicate that perceived usefulness and perceived ease of use contribute to digital finance adoption. The findings indicate that MSMEs have adopted digital payment services, particularly QRIS and digital wallets, to conduct business transactions. The adoption of these services is influenced by customer support, the availability of digital infrastructure, and support from financial institutions. The use of digital payment services has been shown to provide benefits, including increased transaction efficiency, easier financial record-keeping, reduced reliance on cash, and greater customer convenience. This study suggests that policymakers, financial institutions, and financial service providers continue to develop integrated programs that combine digital financial infrastructure, financial literacy, and practical digital skills training. For MSME owners, the strategic use of digital payment tools and financial management practices can support business resilience and long-term business sustainability

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DOI: https://doi.org/10.32535/jicp.v9i4.5169

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