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Amidst the challenges of technology adoption, Indonesian MSMEs have a great opportunity to improve efficiency, competitiveness, and sustainability through digitalization. With a large contribution to GDP and employment, MSMEs need to utilize fiscal incentives, digital strategies, and online payment methods to meet the needs of modern customers. This transformation not only helps businesses operate, but also opens up opportunities for growth in the age of technology. This study looks at how digitalization, financial literacy, and technology support affect the financial performance of MSMEs. It also looks at how these factors affect productivity, efficiency and day-to-day operations in the digital age. This study aims to evaluate the impact of these three components on the financial performance of MSMEs in Karanganyar Regency. This study uses primary data from questionnaires given to MSME owners. The study findings show that financial literacy, financial inclusion, and technology use significantly improve the financial efficiency of MSMEs by helping with financial management, capital access, and business sustainability. However, the limitation of this study is the limited scope that only covers a part of the sample of MSMEs in Karanganyar Regency, so it cannot represent all MSMEs more broadly.

This study analyzes the influence of payment gateways, financial literacy, and digitalization on the financial performance of MSME actors in Brebes Regency, especially Mitra Mandiri MSMEs. MSMEs have a significant role in Indonesia's economy, but they still face various challenges, especially in the aspects of financial technology and digital literacy. Payment gateways enable faster and safer transactions, while financial literacy supports better cash flow management and financial planning. Digitalization also plays a role in improving operational efficiency. This study uses a quantitative method with a survey approach to 51 respondents. Data were collected through questionnaires and analyzed by multiple linear regression to test the relationship between variables. The results of the study show that payment gateways and financial literacy have a positive and significant effect on the financial performance of MSMEs. Payment gateways improve transaction efficiency and expand market access, while financial literacy helps in better financial management. However, digitalization does not have a significant influence on financial performance, showing that the implementation of digital technology still faces obstacles in the adoption and optimal utilization by MSME actors. These findings emphasize the importance of increasing the use of payment gateways and financial literacy education for MSME actors to improve their financial performance.