Digital Transformation of Financial Management: Micro-Enterprises' Experience in Adopting Cashless Payment Systems
Keywords:
Digital Transformation, Financial Management , Micro-enterprises, Cashless PaymentsAbstract
This study aims to explore the experiences and dynamics of micro-entrepreneurs in adopting cashless payment systems as part of the digital transformation of financial management. Employing a qualitative approach with a hermeneutic phenomenological design, data were collected through in-depth, semi-structured interviews with micro-entrepreneurs who have integrated QRIS codes or digital wallets into their business operations. The findings indicate that this digital transformation significantly enhances the accountability of automated cash recording and fosters a clear demarcation between personal finances and business capital. However, the sustainability of this adoption is hindered by techno-economic constraints, such as unstable internet connectivity, transaction cost burdens (merchant discount rates), and delays in daily liquidity. Furthermore, a significant digital literacy gap and a cash-based cultural resilience were identified, resulting in technology utilization at the grassroots level remaining superficial. The study concludes that the success of digital financial transformation in the micro-enterprise sector requires stable macro-infrastructure support, affirmative tariff regulations, and financial literacy education that addresses the socio-cultural aspects of the entrepreneurs
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