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This study aims to explore the role of digital-based operational innovation in enhancing the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The background lies in the growing need for MSMEs to adapt to technological advancements in order to maintain their existence and improve business performance amid increasingly intense competition. Using a qualitative approach with a literature review method, data were collected from various credible academic sources published within the last five years (2019–2024), including journals, institutional reports, and relevant literature. The findings reveal that the adoption of technologies such as digital point-of-sale (POS) systems, cloud-based inventory management, and Customer Relationship Management (CRM) significantly contributes to operational efficiency, market expansion, and service quality improvement. However, the digitalization process among MSMEs still faces several challenges, including low digital literacy, limited infrastructure, and inadequate access to training. In conclusion, the success of MSME digital transformation heavily depends on the collaboration between business actors, government, academia, and other stakeholders to build an inclusive and sustainable digital ecosystem.

Digitalization has become a key driver in enhancing the competitiveness and operational efficiency of MSMEs. PT Olsera Indonesia Pratama, through its Point of Sale (POS) application, is committed to supporting the digital transformation of MSMEs in Indonesia. However, a significant challenge was identified in the settlement process, which was time-consuming and inefficient. This study aims to design a solution to accelerate and improve the accuracy of the settlement process. Methods included interviews with Olsera's Finance & Accounting team and direct observation of back-office workflows. The implemented solution involved creating a merchant database, developing automated Excel templates, and providing user guidelines. As a result, the settlement process time was reduced from several days to just 3 hours, with significant improvements in data accuracy and operational efficiency.