Conference Universitas Siliwangi
International Seminar and Conference on Management, Research, and Transformation (I-SMART)

The Influence of Financial Technology (Fintech) on The Development of Micro, Small, and Medium Enterprises (MSMEs) in Tasikmalaya City

Date Published : 15 October 2026

Contributors

Wildan Army Abdillah, S.E., M.E., M.M.

Politeknik Triguna Tasikmalaya
Author

Riza Faizal, S.IP., M.M.

Politeknik Triguna Tasikmalaya
Author

Dian Puspita, A.Md

Politeknik Triguna Tasikmalaya
Author

Keywords

Financial Technology MSMEs Business Development

Proceeding

Vol. 1 (2025): International Seminar and Conference on Management, Research, and Transformation (I-SMART 1.0)

Track

General Track

License

Copyright (c) 2026 International Seminar and Conference on Management, Research, and Transformation (I-SMART)

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Abstract

The expansion of the digital economy has driven significant transformation in the financial services sector through the emergence of financial technology (fintech). Fintech integrates technological innovation with financial service functions to provide faster, more efficient, and accessible financial solutions for the wider public. Reshapes conventional financial models by enabling financial transactions without requiring traditional bank accounts, while remaining regulated by Bank Indonesia and the Financial Services Authority to ensure consumer protection. Fintech plays a vital role in Indonesia’s payment ecosystem by facilitating digital payment platforms, clearing, and settlement processes, thereby enhancing investment efficiency and reducing transaction risks. empirical analysis supports the relationship between fintech and MSME development. Hypothesis testing reveals that fintech has a positive and significant effect on MSME development, demonstrated by a path coefficient of 0.376 and a p-value of 0.000 (< 0.05). This finding indicates that improved utilization of financial technology contributes to increasing MSME growth, capacity, and competitiveness. Overall, fintech stands as a catalyst for promoting financial inclusion and strengthening MSMEs in the digital economy era.

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How to Cite

Wildan Army Abdillah, W. A. A., Riza Faizal, R. F., & Dian Puspita, D. P. (2026). The Influence of Financial Technology (Fintech) on The Development of Micro, Small, and Medium Enterprises (MSMEs) in Tasikmalaya City. International Seminar and Conference on Management, Research, and Transformation (I-SMART), 1, 959-968. https://conference.unsil.ac.id/ismart/paper/view/255