The study examines how revenue levels affect the adoption of digital financial practices and security features among Indonesian Small and Medium-sized Enterprises (SMEs). Conducted through a cross-sectional survey of 1,117 SMEs, it employed chi-square analysis to examine the relationship between SME revenue levels and their readiness to adopt digital finance and security measures. The findings indicate a significant link between these factors, highlighting the influence of revenue on SMEs' ability to engage with digital finance and confront security challenges. The study underscores the role of digital finance in enhancing SME performance and the importance of digital security in protecting against cyber threats. It emphasises the need for financial and cybersecurity literacy, particularly for micro-enterprises, and advocates for customised training programs in digital finance and security tailored to the diverse financial capabilities of SMEs. This research contributes to a deeper understanding of the dynamics involved in SMEs' digital financial adoption.
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Rinaldi et al. (2024) studied this question.
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