The Financial Implications of E-Payment, E-Commerce, and E-Service Quality on Revenue Growth

The rapid growth of financial technology (fintech) has transformed various sectors, including micro, small, and medium enterprises (MSMEs) in the culinary industry, particularly in the campus area of Jember City. This study explores whether fintech adoption—through e-payment, e-commerce, and e-service quality—impacts the income levels of culinary MSMEs. Using a quantitative descriptive approach and non-probability sampling, the research surveyed 80 culinary MSMEs in the region. The findings reveal that not all aspects of fintech yield the same results. While the adoption of e-payment showed no significant effect on income, as indicated by t-statistics (-1.920 < 1.66515), both e-commerce and e-service quality demonstrated a significant positive impact, with t-statistics of 7.205 and 9.620, respectively (both > 1.66515). These results underscore the importance of focusing on e-commerce strategies and improving service quality as key drivers for enhancing the financial performance of MSMEs in the culinary sector.