The Effect Of Mobile Banking And E-Wallets on Transaction Efficiency in The Supply Chain of Msmes in Sei Semayang Village
Keywords:
Mobile banking, e-wallet, transaction efficiency, MSMEs, supply chainAbstract
Perkembangan layanan keuangan digital seperti mobile banking dan e-wallet memberikan peluang bagi UMKM untuk meningkatkan efisiensi transaksi dalam aktivitas rantai pasok. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan mobile banking dan e-wallet terhadap efisiensi transaksi UMKM di Desa Sei Semayang. Metode penelitian menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 120 pelaku UMKM yang aktif dalam aktivitas produksi dan distribusi. Analisis dilakukan dengan menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa mobile banking dan e-wallet berpengaruh signifikan terhadap kecepatan transaksi, pengurangan biaya transaksi, dan kelancaran arus informasi dalam rantai pasok UMKM. Kesimpulannya, penerapan layanan keuangan digital dapat menjadi pendorong utama peningkatan efisiensi rantai pasok UMKM di desa tersebut.
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