What type of study is this?

This is a Quantitative Study study.

September 20, 2025

The Impact of Financial Technology on MSME Financial Performance: The Mediating Role of Payment Transaction Convenience in Seberang Ulu

Key Points

Financial technology significantly enhances MSME financial performance and payment transaction convenience.
Data from 100 MSME participants in Seberang Ulu reveals strong positive impacts of fintech adoption.
The analysis utilized structural equation modeling–partial least squares (SEM-PLS) for robust insights.
Findings highlight the necessity for additional training programs to foster fintech literacy and competitiveness.

Abstract

This study examines the impact of financial technology on the financial performance of micro, small, and medium enterprises (MSMEs), with payment transaction convenience as a mediating variable. Data were collected from 100 MSME participants in the Seberang Ulu region who actively use financial technology services. A quantitative approach with non-probability sampling was applied, and the data were analyzed using structural equation modeling–partial least squares (SEM-PLS) with SmartPLS 4. The findings show that financial technology positively and significantly influences both MSME financial performance and payment transaction convenience. Moreover, payment transaction convenience partially mediates the relationship between financial technology and financial performance. These results suggest that fintech adoption improves MSME productivity, streamlines transactions, and enhances financial management. The study recommends that MSME operators strengthen fintech adoption to optimize operations, while policymakers and institutions support this process through training and literacy programs that foster sustainable competitiveness.

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