Pengaruh Literasi Keuangan Digital Dan Inovasi Produk Terhadap Kinerja Umkm Dengan Adopsi Fintech Sebagai Variabel Mediasi
Abstract
Background: Digital financial literacy and product innovation are crucial for Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era. However, empirical studies examining the mediating role of fintech adoption in the relationship between these variables and MSME performance remain limited in Indonesia. Methods: This study employs a quantitative approach using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with a sample of 200 MSME actors in Indonesia who have adopted digital technology for at least one year. Results: Digital financial literacy and product innovation have a positive and significant effect on fintech adoption and MSME performance. Fintech adoption mediates the influence of digital financial literacy and product innovation on MSME performance. Conclusions: MSMEs with strong digital financial literacy and product innovation capability can enhance their performance through fintech adoption. Contributions: This research enriches the literature on digital finance and innovation with a mediation perspective that has not been extensively studied in Indonesia.
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References
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