Impact of Digital Payments on MSME Operational Efficiency: E-Wallet Adoption in South Tangerang

This is the interview transcripts for a research titled The Impact of Digital Payments on MSME Operational Efficiency: E-Wallet Adoption in South Tangerang. Abstract—The advancement in digital technology during the 4.0 industrial revolution has influenced MSMEs to highly regard the adoption of digital payments such as e-wallet. This research examines the impact of e-wallet towards MSME through the TOE framework (Technology-Organization-Environment) with a focus on semi-structured interviews conducted with 10 MSME owners and managers from South Tangerang area. This study was employed using the purposive sampling and incorporated NVivo 10 for data analysis. The results shows that while there are challenges like payment failures and slow internet speeds, MSMEs appreciate and acknowledge the electronic payment system's convenience and low fees, which enhance their operational efficiency. Additionally, this study contributes to the technical side of Information System in digital transformation sense, providing valuable insights for MSME owners and policymakers to optimize the adoption of E-wallets in an increasingly digital economy. Overall, this study offers useful advice on how to address adoption issues and support MSME integration of digital payment systems.