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Financial Technology and Business Performance Among Small Medium Enterprises (SMEs) in Indonesia
Abstract
Business performance is one of the most critical measurements for business owners to achieve their targets. Business performance is a result of company activities at a particular time. The small-medium enterprises have functioned as a leading economic activity, creators of job opportunities, an essential developing business local economy and community empowerment, creators of new markets, and become a source of innovation. The contribution of SMEs is more significant than the contribution of large enterprises. SMEs have expanded employment opportunities, established a gross domestic product, and provided a safety net mainly for low-income people to carry out productive economic activities. Competitive SMEs often play a role in increasing the country's economy and leading to the development of the global economy. Furthermore, financial technology (Fintech) plays a significant role in the business performance of SMEs by improving the scalability, accessibility, and efficiency of financial services. Digital payments and peer-to-peer lending are part of fintech solutions for SMEs.
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