Transformasi Pembayaran Digital di Era Ekonomi Digital: Analisis Efisiensi dan Dampaknya terhadap UMKM

The development of the digital economy has significantly transformed payment systems, including the shift from cash-based to digital payment methods. However, the adoption and optimal utilization of digital payments still face various challenges within society. This study aims to analyze the efficiency of digital payments and their impact on economic actors. Using the Systematic Literature Review (SLR) method, the study finds that digital payments reduce transaction time and costs compared to conventional methods like cash payments. Additionally, the findings highlight that digital payments provide significant convenience for economic actors. The study focuses on the role of financial technology (fintech) in influencing market participants, particularly Micro, Small, and Medium Enterprises (MSMEs), in adopting a new lifestyle based on digital payment technology. This research provides a valuable contribution to understanding the impact of digital payments on economic actors and their influence on consumer behavior in today’s digital era.