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This is a Quantitative Study study.

October 13, 2025Matrik Jurnal Manajemen Strategi Bisnis dan Kewirausahaan0 citationsOpen Access

Impact of Fintech on Financial Performance of MSMES in Bali with Financial Literacy as Moderator

ICIca Rika CandraningratUdayana University VDVera Intanie DewiParahyangan Catholic University PDPutu Ayu Kezia DewiUdayana University

Key Points

Fintech positively impacts financial performance of MSMEs, and financial literacy plays a crucial role in enhancing this effect.
The study found that financial literacy significantly moderates the relationship between fintech and financial performance.
Using a quantitative approach, 150 MSME owners in Bali were surveyed to examine these relationships.
Aligns with the Theory of Planned Behavior and the Theory of Financial Innovation, emphasizing the importance of financial literacy.

Abstract

This study examines the impact of fintech on the financial performance of micro, small, and medium enterprises(MSMEs) in Bali, with financial literacy as a moderating variable. A quantitative approach was employed,utilizing primary data collected through questionnaire distribution. The sampling method used was purposivesampling, with a total of 150 respondents. The findings indicate that fintech has a positive and significant effecton financial performance. Furthermore, financial literacy positively moderates this relationship, strengthening theimpact of fintech on financial performance. These results align with the Theory of Planned Behavior and theTheory of Financial Innovation. The higher the financial literacy of MSME owners, the more effectively theyutilize fintech to enhance financial performance.

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