The Influence of Digital Payment on Financial Performance Moderated by Gender (An Empirical Study on Msmes in Lombok Island)

The number of MSME entrepreneurs in Lombok Island continues to grow each year, alongside the accelerating digital transformation of micro, small, and medium enterprises. This study aims to analyze the impact of digital payment on MSME financial performance and the role of gender as a moderating variable. The research employed data collection methods through online questionnaires and direct interviews with 150 MSME entrepreneurs on Lombok Island. Data were analyzed using SmartPLS 4.0 software. The findings indicate that digital payment has a significant impact on MSME financial performance in Lombok Island, and gender plays a moderating role. The implications of this study provide insights for MSME entrepreneurs to optimize the use of digital payment in their businesses while considering gender factors in financial management to enhance competitiveness and business growth.