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Kapabilitas Adopsi FinTech dan Kinerja Inovasi UMKM di Kota Medan: Peran Kompetensi Digital, Kepercayaan Platform, dan Efisiensi Transaksi

  • Anggi Pratiwi Sitorus1*
  • Salman Munthe2
  • Muammar Rinaldi3
  • Rossy Pratiwy Sihombing4
  • Rusiadi Rusiadi5
1,2,3,4 State University of Medan image/svg+xml
5 Universitas Pembangunan Panca Budi Medan image/svg+xml
* Corresponding Author: Anggi Pratiwi Sitorus
Cover Jurnal EMT KITA Vol 10 No 4 Oktober 2026

Abstract

This study examines how digital competence, platform trust, and transaction efficiency influence FinTech adoption capability and MSME innovation performance in Medan. Using a quantitative survey design, this study focuses on MSME owners and managers who use or have access to digital financial services. Digital competence reflects the ability to operate and integrate financial technology into business activities, while platform trust refers to confidence in the security, reliability, and credibility of FinTech services. Transaction efficiency captures perceived speed, convenience, and cost reduction in digital financial transactions. Data are analyzed using Structural Equation Modeling to test the direct effects of these factors on FinTech adoption capability and its subsequent effect on innovation performance. The expected findings indicate that MSMEs with stronger digital competence, higher platform trust, and greater transaction efficiency are more capable of adopting FinTech and improving innovation performance. This study contributes by positioning FinTech adoption capability as a strategic mechanism for strengthening MSME digital business innovation.

Keywords

Digital Competence Platform Trust Transaction Efficiency Fintech Adoption Capability MSME Innovation Performance Medan

How to Cite

Citation Format
Sitorus, A. P., Munthe, S., Rinaldi, M., Sihombing, R. P., & Rusiadi, R. (2026). Kapabilitas Adopsi FinTech dan Kinerja Inovasi UMKM di Kota Medan: Peran Kompetensi Digital, Kepercayaan Platform, dan Efisiensi Transaksi. Jurnal EMT KITA, 10(4), 2482-2495. https://doi.org/10.35870/emt.v10i4.7279

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Author Biographies

Anggi Pratiwi Sitorus, State University of Medan

Universitas Negeri Medan, Kabupaten Deli Serdang, Provinsi Sumatera Utara, Indonesia.

Salman Munthe, State University of Medan

Universitas Negeri Medan, Kabupaten Deli Serdang, Provinsi Sumatera Utara, Indonesia.

Muammar Rinaldi, State University of Medan

Universitas Negeri Medan, Kabupaten Deli Serdang, Provinsi Sumatera Utara, Indonesia.

Rossy Pratiwy Sihombing, State University of Medan

Universitas Negeri Medan, Kabupaten Deli Serdang, Provinsi Sumatera Utara, Indonesia.

Rusiadi Rusiadi, Universitas Pembangunan Panca Budi Medan

Universitas Pembangunan Panca Budi, Kota Medan, Provinsi Sumatera Utara, Indonesia.

License

Copyright (c) 2026 Anggi Pratiwi Sitorus, Salman Munthe, Muammar Rinaldi, Rossy Pratiwy Sihombing, Rusiadi Rusiadi

Creative Commons License

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

This is an open-access journal distributed under the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits unrestricted use, distribution, reproduction, and adaptation in any medium (even commercially), provided appropriate credit is given to the original author(s), a link to the license is provided, and any changes made are indicated. Authors retain copyright without restrictions and grant the journal the right of first publication as well as non-exclusive publishing rights for archiving, indexing, and scholarly dissemination.

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