Exploring Cloud Accounting Adoption Readiness Among Indonesian Small-Medium Enterprises

The purpose of this research is to determine the use of cloud accounting by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia and the strategies for its implementation. With the rapid growth of digital transformation worldwide, using the cloud for financial management offers many benefits, including better master data management, more efficient operational control, and improved business processes. Factors such as perceived benefits, ease of use, and suitability to the company's technical needs are components assessed in this research using quantitative methods. The research approach used included an empirical survey in the form of well-structured questionnaires distributed to business owners and managers from various industries. The study concludes that the Technology-Organization-Environment (TOE) Framework has a substantial impact on MSMEs' decisions to embrace cloud accounting. The findings of this study provide excellent recommendations for technology service providers and government authorities in formulating strategic initiatives to facilitate broader acceptance of cloud-based financial solutions within Indonesia's MSME ecosystem. The research findings provide a better understanding of the dynamics of digital change in Indonesia's business environment, particularly the usage of financial technology by small enterprises. This knowledge base can be utilized to develop policies and plans for technology advancement that aim to increase digital use among MSMEs.