From Tradition to Innovation: A PLS - SEM Analysis of IOT, AT, and Fintech Literacy in Bali’s MSMEs

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Analysis identifies how fintech and financial literacy influence MSME performance, suggesting policy implications.

High adoption of IoT and AI, along with strong financial literacy, leads to improved financial performance among MSMEs in Bali.
The findings indicate a significant connection between financial literacy, fintech usage, and financial outcomes for MSMEs.
Using partial least squares structural equation modeling, the analysis highlights the importance of technology adoption in enhancing MSME success.
This research underscores that technology alone doesn't guarantee financial success; financial literacy plays a crucial moderating role.

Lasmi et al. (2025) studied this question.

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