Strategies To Increase Micro, Small And Medium Business Income (MSMEs) Through A Digital Payment System (Case Study of UMKM Sukowono District Jember Regency)

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Qualitative analysis highlights challenges for MSMEs using digital payment systems, suggesting financial literacy improvements.

Digital payment systems, including mobile banking and QRIS, enhance transaction efficiency for MSMEs, boosting income.
The study identifies critical barriers such as limited internet access and a preference for cash transactions among society.
Effective strategies include digital literacy training, collaboration with financial institutions, and marketing optimization.
Despite challenges, the transition to digital payments offers significant benefits for MSME revenue growth in Jember.

Romadani et al. (2025) studied this question.

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