FITRIANA, Defina Dwi (2024) Firm Size as a Moderating Influence Financial Technology Payment Gateway on Financial Performance of Micro and Small Enterprises in Purwokerto. Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

This research is entitled "Firm Size as a Moderator of the Effect of Financial Technology Payment Gateway on the Financial Performance of Micro and Small Enterprises (MSEs) in Purwokerto". The background of this research is the challenges faced by MSEs in managing financial transactions and improving their business performance. Most MSEs previously relied on cash transactions or traditional payment methods, but the development of digital payment technology offers new opportunities for MSEs to expand market access, simplify transactions, and improve financial management. The rapid development of financial technology (FinTech), especially payment gateways, is now an important factor that can support faster, safer and more efficient transactions. However, the adoption of these technologies is often associated with firm size, which affects firms' access and willingness to adopt these innovations. This study aims to analyze the impact of FinTech payment gateway on the financial performance of MSEs, using firm size as a moderating variable. This research uses the Technology Acceptance Model (TAM) and Resource-Based View (RBV) approaches. The population studied were MSEs in Purwokerto who sell online through Gojek, Grab, and Shopee platforms and have implemented a payment gateway system. This research method is quantitative with sampling using Slovin's formula and purposive sampling with specific criteria. The total sample in this study was 100 respondents and the data was collected through a survey using a questionnaire. Based on the results of the analysis using SPSS, it was concluded that: (1) Financial technology payment gateway has a positive effect on the financial performance of MSEs in Purwokerto; (2) firm size does not strengthen the influence of Financial technology payment gateway on the financial performance of MSEs in Purwokerto. This study has theoretical implications that the Technology Acceptance Model and Resource-Based View theories are able to explain the intentions and behaviors of business owners in improving financial performance. Hopefully, this research can provide important information for MSEs in making decisions regarding the use of payment gateways as a means to improve their business performance. Business owners are advised to take advantage of technological advances such as payment gateways without considering the size of the business, as business size does not play a significant role in influencing the ability of MSEs to effectively use FinTech payment gateways.

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