September 10, 2025Telaah Bisnis

Empowering MSMEs in Bali through Financial Technology and Digital Payment Innovation to Enhance Global Competitiveness

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Authors

DPDewa Gde Yoga PermanaUniversitas Internasional Semen Indonesia IWI Gede Bayu WirayudhaUniversitas Tabanan IPI Putu Dharmawan Suryagita Susila PutraUniversitas Tabanan

Discussion

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Implication

Quantitative analysis shows financial technology and digital payment innovation enhance MSME competitiveness in Bali, suggesting greater digital service adoption can improve market reach.

Key Points

FinTech usage and digital payment innovation positively influence MSME competitiveness in Bali, enhancing market capacity.
The regression analysis yielded an R-squared value of 0.605, indicating strong predictive power in understanding competitiveness variance.
Data gathered included insights from 100 MSME owners across various sectors in Bali, applying structured questionnaires and interviews.
Findings highlight the need for broader research considering external factors, like government regulations, for a comprehensive impact assessment.

Cite This Study

Permana et al. (2025) studied this question.

synapsesocial.com/papers/68c23e4fb210217d6479193c https://doi.org/10.35917/tb.v26i1.585

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Implication

Quantitative analysis shows financial technology and digital payment innovation enhance MSME competitiveness in Bali, suggesting greater digital service adoption can improve market reach.