Women Entrepreneurs, Digital Payments, and the Performance of MSMEs: Evidence from Indonesia MSMEs

This study targets female owners of micro, small and medium-sized enterprises (MSMEs) who use digital payments, with a core focus on examining the effects of two digital-payment-related independent variables perceived ease of use and perceived usefulness on three categories of outcome variables: MSMEs satisfaction, intention to use digital payments, and MSMEs performance. This study adopts a quantitative correlational research design. Through convenience sampling, a type of non-probability sampling, 354 valid samples were collected. Partial least squares structural equation modeling (PLS-SEM) analysis was conducted using SmartPLS 3. The results indicate that all hypotheses were accepted. Perceived Ease of Use significantly influences Perceived Usefulness, MSMEs Satisfaction, and Intention to Use Digital Payment. Additionally, Perceived Usefulness significantly influences MSMEs Satisfaction and Intention to Use Digital Payment. The findings also indicate that MSMEs Satisfaction and Intention to Use Digital Payment significantly influence MSMEs Performance. These results confirm that the ease and usefulness of digital payments enhance satisfaction and usage intent, which ultimately contribute to improved performance among female MSMEs owners.