PENGGUNAAN SISTEM PEMBAYARAN DIGITAL DALAM MENINGKATKAN EFISIENSI KEUANGAN UMKM

Abstract

The use of digital payment systems has become an essential factor in enhancing financial efficiency for Micro, Small, and Medium Enterprises (MSMEs). This study examines the impact of digital payment adoption on the financial performance and operational efficiency of MSMEs. By leveraging digital transactions, businesses can streamline financial processes, reduce transaction costs, and improve cash flow management. The research employs a qualitative and quantitative approach to analyze the advantages and challenges faced by MSMEs in integrating digital payment systems. The findings indicate that digital payment adoption significantly contributes to financial efficiency, increases transparency, and enhances business sustainability.