DIGITALISASI SISTEM PEMBAYARAN PADA USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) DALAM MENINGKATKAN EFISIENSI DAN AKSESIBILITAS

Abstract

This study examines the opportunities and challenges in the implementation of digital payments to enhance the productivity of Micro, Small, and Medium Enterprises (MSMEs). In the midst of the growing digital era, the use of cashless payment methods has become an important innovation to drive efficiency and competitiveness among MSME players. The research findings indicate that the adoption of cashless transactions such as QRIS platforms, bank transfers, digital wallets (E-Wallets), and card-based electronic money (E-money) can provide various benefits, such as speeding up payment processes, reducing transaction errors, and decreasing the circulation of counterfeit money, which remains a problem in some areas. However, the implementation of digital payments still faces various challenges on the ground. Some MSME sectors are still heavily dependent on cash transactions, especially in remote areas with limited internet access. Additionally, many business owners prefer conventional payment methods due to trust, security, and habit. Demographic factors also influence the effectiveness of this technology, with younger generations tending to adapt more easily to digital technologies compared to older age groups who are less familiar with digital devices. These findings suggest that to expand the benefits of payment system digitalization among MSMEs, strategic measures such as improved digital infrastructure, equitable education and socialization, and the development of applications tailored to the needs and characteristics of each business sector are required.