ANALISIS PENERAPAN FINANCIAL TECHNOLOGY PADA USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DI PURWOKERTO (STUDI KASUS DI HEJO BEVERAGE)
Abstract
The purpose of this study is to analyze how financial technology is implemented, the views of business managers, and the impact of financial technology on the financial statements of Hejo Beverage SMEs. This study used a qualitative method with a case study approach. Data collection methods included observation, in-depth interviews, and documentation. Research results show that the application of fintech at Hejo Beverage has been actively used since 2023. The types of fintechs applied by Hejo Beverage are Q-ris, Dana, OVO, Go-Pay, and M-banking. The reason for this application is the high consumer demand for digital payments. However, there are several obstacles in its implementation, such as signal interference, administrative fees on fintech platforms, funds that cannot be immediately disbursed, and limited access to transaction checks, which increases the risk of certain individuals committing fraud or deception. Business managers also believe that fintech can improve transaction and operational efficiency. Fintech also has a positive impact on record keeping and has the potential to increase revenue by providing consumers with ease of transaction.
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