{"id":"https://openalex.org/W7220105996","doi":null,"title":"DIGITAL PAYMENT ADOPTION AND FINANCIAL MANAGEMENT CAPABILITY OF MICRO ENTERPRISES","display_name":"DIGITAL PAYMENT ADOPTION AND FINANCIAL MANAGEMENT CAPABILITY OF MICRO ENTERPRISES","publication_year":2026,"publication_date":"2026-09-30","ids":{"openalex":"https://openalex.org/W7220105996"},"language":"en","primary_location":{"id":"pmh:oai:ojs2.kisainstitute.com:article/167","doi":null,"is_oa":true,"landing_page_url":"https://kisainstitute.com/index.php/kisainstitute/article/view/167","pdf_url":"https://kisainstitute.com/index.php/kisainstitute/article/download/167/200","source":{"id":"https://openalex.org/S7407077316","display_name":"Journal of Economics, Accounting, Business, Management, Engineering and Society","issn_l":"3031-884X","issn":["3031-884X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3031-884X","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://kisainstitute.com/index.php/kisainstitute/article/download/167/200","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5125424080","display_name":"Ucu Supriatna","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210145688","display_name":"International Women University","ror":"https://ror.org/042h5qy30","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210145688"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Supriatna, Ucu","raw_affiliation_strings":["International Women University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"International Women University","institution_ids":["https://openalex.org/I4210145688"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5114479601","display_name":"Farida Yulianty","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210144738","display_name":"Universitas Sangga Buana YPKP","ror":"https://ror.org/053g25f89","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210144738"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Yulianty, Farida","raw_affiliation_strings":["Universitas Sangga Buana YPKP"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Sangga Buana YPKP","institution_ids":["https://openalex.org/I4210144738"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9901999831199646,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9901999831199646,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.002099999925121665,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13053","display_name":"SMEs Development and Digital Marketing","score":0.0019000000320374966,"subfield":{"id":"https://openalex.org/subfields/1403","display_name":"Business and International Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-payment-adoption","display_name":"digital payment adoption","score":0.9160000085830688},{"id":"https://openalex.org/keywords/financial-management-capability","display_name":"financial management capability","score":0.9409999847412109},{"id":"https://openalex.org/keywords/microenterprises","display_name":"microenterprises","score":0.9599999785423279},{"id":"https://openalex.org/keywords/mobile-wallets","display_name":"mobile wallets","score":0.9869999885559082},{"id":"https://openalex.org/keywords/cash-flow-forecasting","display_name":"cash flow forecasting","score":0.6869999766349792},{"id":"https://openalex.org/keywords/transaction-reconciliation","display_name":"transaction reconciliation","score":0.6159999966621399},{"id":"https://openalex.org/keywords/institutionalization","display_name":"institutionalization","score":0.4860000014305115},{"id":"https://openalex.org/keywords/small-business-financing","display_name":"small business financing","score":0.37299999594688416}],"concepts":[{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.6700000166893005},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6273000240325928},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6161999702453613},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.5564000010490417},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.5443999767303467},{"id":"https://openalex.org/C2777063073","wikidata":"https://www.wikidata.org/wiki/Q1553237","display_name":"Settlement (finance)","level":3,"score":0.5236999988555908},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5214999914169312},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.5184000134468079},{"id":"https://openalex.org/C98965940","wikidata":"https://www.wikidata.org/wiki/Q877496","display_name":"Transaction cost","level":2,"score":0.5037000179290771},{"id":"https://openalex.org/C164429055","wikidata":"https://www.wikidata.org/wiki/Q2070165","display_name":"Institutionalisation","level":2,"score":0.45579999685287476},{"id":"https://openalex.org/C2780665704","wikidata":"https://www.wikidata.org/wiki/Q959298","display_name":"Intervention (counseling)","level":2,"score":0.4350000023841858},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.3953999876976013},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.3666999936103821},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.36629998683929443},{"id":"https://openalex.org/C199033989","wikidata":"https://www.wikidata.org/wiki/Q1318295","display_name":"Narrative","level":2,"score":0.3553999960422516},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.3540000021457672},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3400999903678894},{"id":"https://openalex.org/C14224292","wikidata":"https://www.wikidata.org/wiki/Q13600188","display_name":"Conceptual framework","level":2,"score":0.3321000039577484},{"id":"https://openalex.org/C31845852","wikidata":"https://www.wikidata.org/wiki/Q899279","display_name":"Management control system","level":3,"score":0.29409998655319214},{"id":"https://openalex.org/C127722929","wikidata":"https://www.wikidata.org/wiki/Q7833714","display_name":"Transaction data","level":3,"score":0.29260000586509705},{"id":"https://openalex.org/C62354387","wikidata":"https://www.wikidata.org/wiki/Q875399","display_name":"Boundary (topology)","level":2,"score":0.2874000072479248},{"id":"https://openalex.org/C2776034101","wikidata":"https://www.wikidata.org/wiki/Q1509347","display_name":"Commission","level":2,"score":0.28679999709129333},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2838999927043915},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2727999985218048},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.26649999618530273},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.26249998807907104},{"id":"https://openalex.org/C11354467","wikidata":"https://www.wikidata.org/wiki/Q953487","display_name":"Transaction processing system","level":4,"score":0.26080000400543213}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:ojs2.kisainstitute.com:article/167","doi":null,"is_oa":true,"landing_page_url":"https://kisainstitute.com/index.php/kisainstitute/article/view/167","pdf_url":"https://kisainstitute.com/index.php/kisainstitute/article/download/167/200","source":{"id":"https://openalex.org/S7407077316","display_name":"Journal of Economics, Accounting, Business, Management, Engineering and Society","issn_l":"3031-884X","issn":["3031-884X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3031-884X","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:ojs2.kisainstitute.com:article/167","doi":null,"is_oa":true,"landing_page_url":"https://kisainstitute.com/index.php/kisainstitute/article/view/167","pdf_url":"https://kisainstitute.com/index.php/kisainstitute/article/download/167/200","source":{"id":"https://openalex.org/S7407077316","display_name":"Journal of Economics, Accounting, Business, Management, Engineering and Society","issn_l":"3031-884X","issn":["3031-884X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3031-884X","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.6452000141143799,"display_name":"Decent work and economic growth"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7220105996.pdf","grobid_xml":"https://content.openalex.org/works/W7220105996.grobid-xml"},"referenced_works_count":5,"referenced_works":["https://openalex.org/W2169667133","https://openalex.org/W2912800036","https://openalex.org/W3216549391","https://openalex.org/W4200219656","https://openalex.org/W4212915801"],"related_works":["https://openalex.org/W7162991149","https://openalex.org/W7117364007","https://openalex.org/W7220143184","https://openalex.org/W7172255961","https://openalex.org/W7220232445","https://openalex.org/W7222799872","https://openalex.org/W7223132566","https://openalex.org/W7125905339","https://openalex.org/W7204972478","https://openalex.org/W7161247480"],"abstract_inverted_index":{"Background:":[0],"Accepting":[1],"digital":[2,101],"payments":[3],"increases":[4],"transaction":[5,12,49,81],"visibility,":[6],"but":[7],"owners":[8],"may":[9],"not":[10,164],"convert":[11],"records":[13],"into":[14],"cash-flow":[15,92],"control,":[16],"reconciliation,":[17,85],"budgeting,":[18],"or":[19],"financing":[20],"readiness.":[21],"Aim:":[22],"The":[23,63,75,103,152],"present":[24],"synthesis":[25,55,76],"explains":[26],"how":[27],"the":[28,31,129,143],"relationship":[29],"between":[30],"focal":[32],"practices":[33],"and":[34,48,60,71,89,95,119,141],"financial":[35,98],"management":[36],"capability":[37],"operates":[38],"in":[39],"micro":[40],"enterprises":[41],"using":[42],"QR-based":[43],"payments,":[44],"mobile":[45],"wallets,":[46],"transfers,":[47],"applications.":[50],"Method:":[51],"A":[52],"conceptual":[53],"narrative":[54],"draws":[56],"on":[57,110,114],"selected":[58],"scholarly":[59],"institutional":[61],"publications.":[62],"discussion":[64],"is":[65],"organized":[66],"around":[67],"mechanisms,":[68],"boundary":[69],"conditions,":[70],"practical":[72],"implications.":[73],"Results:":[74],"identifies":[77],"six":[78],"linked":[79],"mechanisms:":[80],"record":[82],"availability,":[83],"daily":[84],"separation":[86],"of":[87,138],"household":[88],"business":[90],"funds,":[91],"forecasting,":[93],"fees":[94],"settlement":[96],"management,":[97],"learning":[99],"from":[100],"records.":[102],"inquiry":[104,153],"indicates":[105],"that":[106,162],"outcomes":[107],"depend":[108],"less":[109],"nominal":[111],"adoption":[112],"than":[113],"institutionalization":[115],"quality,":[116],"governance,":[117],"learning,":[118],"fit":[120],"with":[121],"local":[122],"capacity.":[123],"Conclusion:":[124],"Decision":[125],"makers":[126],"should":[127],"define":[128],"expected":[130],"outcome,":[131],"assign":[132],"responsibility,":[133],"establish":[134],"a":[135,155],"small":[136],"set":[137],"auditable":[139],"indicators,":[140],"revise":[142],"intervention":[144],"when":[145],"source":[146],"findings":[147],"contradicts":[148],"its":[149],"assumptions.":[150],"Contribution:":[151],"provides":[154],"conditional":[156],"framework":[157],"without":[158],"claiming":[159],"primary":[160],"data":[161],"were":[163],"collected.":[165]},"counts_by_year":[],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2026-10-05T00:00:00"}