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The financial performance of MSMEs is the result of a business's success in sustaining itself thru financial management. This research aims to provide information on the impact of financial literacy, payment gateways, and financial inclusion on the financial performance of MSMEs. This investigative activity involves two types of variables: independent variables consisting of financial literacy, payment gateways, and financial inclusion, while the financial performance of MSMEs is the dependent variable. Food and beverage MSMEs under the auspices of Rumah BUMN are the study population, totaling 337. The method for determining the sample size was determined using Slovin's formula, and sampling was conducted using specific criteria, resulting in a sample size of 77 respondents. The data analysis technique involves multiple linear regression analysis. This research activity found that each of the variables used, namely financial literacy, payment gateway, and financial inclusion, has a significant positive impact on the financial performance of MSMEs. The coefficient of determination shows that 91.3% of the variables of financial literacy, payment gateway, and financial inclusion are able to explain the financial performance variable of MSMEs.

This study analyzes and designs a dual-role web-based ordering information system to optimize order management at Sunrise Bakery. This SME currently faces inefficiencies due to manual recording. The system, developed using the SDLC Waterfall method with PHP and MySQL, serves two main actors: customers, who can order online, browse catalogs, track orders, and pay digitally; and administrators (admin, cashier, owner), who manage products, update stock, input in-store orders, generate daily/monthly sales reports, and manage user access. Black Box Testing confirms all core functions work correctly. The system successfully addresses manual process shortcomings by improving data accuracy and providing real-time monitoring for both customers and management. It offers a comprehensive digital solution to enhance operational efficiency and service quality. Limitations include the lack of integrated digital payment gateways and external messaging. Future development should incorporate payment gateways (e.g., OVO, GoPay), WhatsApp notifications, a mobile application, and predictive analytics for sales and stock forecasting.

This study addresses the inefficiencies in the manual student payment administration system currently used at SMK Bina Insan Nusantara, which relies on handwritten ledgers and Microsoft Excel spreadsheets, leading to frequent data errors, delayed reporting, and difficulties in retrieving payment records. The research aims to design a web-based information system to streamline the recording, monitoring, and reporting of student payments. A descriptive research approach was employed, with data collected through direct observation, semi-structured interviews with administrative staff, and literature review. System analysis was conducted using the PIECES framework, and system design followed the Unified Modeling Language (UML) methodology. The proposed system features user authentication, student data management, real-time payment input, digital receipt generation, and automated reporting (daily, monthly, and yearly). Black-box testing confirmed that the system functions as intended, validating inputs, processing transactions accurately, and generating reliable outputs. Findings indicate that the web-based system significantly improves data accuracy, operational efficiency, accessibility, and service quality compared to the existing manual process. The implementation of this system enables school administrators to manage payments more effectively, provides students and parents with timely access to payment information, and supports faster, data-driven decision-making by school leadership and the foundation. Future enhancements could include mobile integration and online payment gateways.

This study is a literature review that examines the role of QRIS as a payment gateway in improving the efficiency of Accounting Information Systems (AIS) in MSMEs. Digital transformation in payment systems is key to speeding up, enhancing accuracy, and securing transaction records. QRIS provides a practical solution by integrating various non-cash payment methods into one system, enabling automated real-time recording and faster financial reporting. A review of ten studies shows QRIS helps speed up recording, ease reconciliation, reduce input errors, and serve as a strategic tool for AIS digitalization in the digital economy era.

The rapid growth of RT/RW Net-based internet services among the community has driven the need for an integrated, efficient, and easy-to-use billing system. The self-help RT/RW Net model often faces challenges in terms of administrative management, especially related to customer recording, billing, and financial reporting which are still done manually. Common problems faced by partners are payment systems that have not been digitized and minimal transparency in data collection and tracking of customer transactions. The purpose of this activity is to design and implement a web-based billing application built using the Laravel framework. This application is designed to facilitate the process of managing customer bills, monitoring internet service usage, and preparing financial reports automatically and in a structured manner. The method of implementing the activity includes the system design stage, training partners in using the application, and assistance in direct implementation in the RT/RW Net operational environment. The results of the activity show that the developed system has succeeded in automating most of the billing process and increasing the efficiency of administrative management by up to 80%. In addition, this system also has a positive impact on increasing transparency and accuracy of customer data. Suggestions for further development include the addition of automatic payment features through integration with payment gateways, as well as improving the user interface to make it more responsive and user-friendly.

The rapid development of information technology has provided great opportunities for the service sector to improve efficiency and convenience, including in vehicle washing services. This research aims to develop a web-based system using the Laravel framework, which is designed to simplify the online ordering process and overcome queuing problems. The system features user authentication, location-based booking, payment gateway integration for real-time transactions, and an interactive dashboard for service providers. The case study was conducted at Carenmore, a vehicle wash service in Krian. The implementation results show that the system is able to reduce customer waiting time, provide a better user experience, and improve service efficiency. Further development is recommended to add a variety of features, improve interface design, and increase the system's ability to handle larger user loads.

Finpay Link, developed by PT Finnet Indonesia, is a unique URL generated by the Finpay Payment Gateway system to facilitate payment transactions via email, SMS, or messaging apps like WhatsApp. Designed to simplify transactions for MSMEs, it aims to contribute significantly to the company’s revenue through increased business transactions. However, since its launch in 2019, Finpay Link has not met the expected revenue targets, prompting the need for new innovations based on the existing product. Given the high adoption of WhatsApp in Indonesia, with 90.9% of social media users active on the platform, this study explores the design and development of a WhatsApp-based application using the design thinking approach. Aimed at MSMEs, this application is intended to drive business transactions and revenue. This qualitative case study employs observation and in-depth interviews for data collection. The study results include the design of new features like payment processing and transaction history tracking. Prototype testing using the System Usability Score (SUS) yielded an 89.5 score, indicating high usability. Positive feedback from users confirmed the value of the payment and transaction tracking innovations. Despite time limitations, this research provides a foundation for future enhancements and can serve as a reference for applying design thinking in business app development.

Technological developments are increasingly rapid, as evidenced by the large number of individuals and businesses from various industries who depend on computers to support their daily operations, as well as the small, medium and medium sectors. Large companies that already manage payroll processing tasks every month certainly require the use of computers so that the process can function properly. It is hoped that the web-based stationery sales information system at Istana Anugerah can stimulate public interest in purchasing the shop's merchandise. This information system is expected to facilitate consumers' ability to place orders from any location without having to physically visit the store, as well as facilitating the sales department's ability to produce sales reports more quickly and without errors.

Organisasi Pengembang Indonesia berfokus pada penyediaan perumahan bagi masyarakat berpenghasilan rendah (MBR). Namun, pengelolaan data menggunakan Ms. Excel menyebabkan berbagai kendala, termasuk dalam mengelola data anggota, perumahan, produk tagihan, dan laporan periodik. Proses pembayaran manual yang sering terlambat juga mempengaruhi operasional dan reputasi organisasi. Untuk mengatasi masalah ini, diusulkan sistem informasi berbasis Web dengan Framework Laravel. Objek penelitian ini adalah pengembangan sistem tersebut dengan tujuan untuk meningkatkan efisiensi pengelolaan data, keamanan transaksi, dan komunikasi dalam organisasi. Pengembangan sistem informasi ini menggunakan metode Agile dengan pendekatan Scrum. Pendekatan ini dipilih karena memungkinkan iterasi cepat dan umpan balik berkelanjutan dari pengguna. Sistem yang dikembangkan terintegrasi dengan Midtrans sebagai Payment Gateway untuk memfasilitasi pembayaran yang aman dan efisien, serta Wablas sebagai Whatsapp Gateway untuk notifikasi otomatis. Pengujian sistem dilakukan menggunakan metode Black Box, di mana setiap fitur diuji berdasarkan fungsionalitasnya tanpa melihat ke dalam struktur kode. Hasil implementasi menunjukkan bahwa sistem informasi berbasis Web ini memungkinkan admin mengelola data anggota, perumahan, produk, dan tagihan dengan lebih efektif. Fitur-fitur yang disediakan meliputi login, master data, transaksi, pendaftaran anggota, perpanjangan keanggotaan, perumahan, produk, dan laporan. Semua fitur telah diuji menggunakan pengujian Black Box dan berfungsi dengan baik. Dengan adanya sistem ini, diharapkan dapat meningkatkan efisiensi pengelolaan data, keamanan transaksi, dan komunikasi, serta mengatasi kendala yang ada dalam proses pengelolaan data dan pembayaran di Organisasi Pengembang Indonesia.

Royal Posh Pro adalah sebuah usaha mikro kecil dan menengah (UMKM) yang bergerak di bidang jasa fotografi, menyediakan berbagai paket dokumentasi untuk berbagai jenis acara dengan kualitas tinggi. Namun, perusahaan ini menghadapi tantangan operasional, khususnya dalam pengelolaan penjadwalan dan data pembayaran yang masih dilakukan secara manual. Penelitian ini bertujuan untuk mengembangkan sistem informasi berbasis web yang terintegrasi dengan payment gateway guna mengatasi masalah tersebut. Metode prototype digunakan dalam penelitian ini untuk merancang, menguji, dan menyempurnakan sistem secara iteratif, agar sesuai dengan kebutuhan operasional Royal Posh Pro. Hasil penelitian menunjukkan bahwa implementasi sistem informasi yang terintegrasi dengan payment gateway dapat secara signifikan meningkatkan akurasi dan efisiensi pengelolaan data pembayaran serta mengurangi kesalahan manual. Sistem ini juga menawarkan kenyamanan lebih bagi pelanggan melalui berbagai metode pembayaran yang aman dan praktis. Kesimpulannya, penggunaan teknologi informasi dalam bentuk sistem berbasis web dengan integrasi payment gateway telah terbukti efektif dalam meningkatkan kualitas layanan dan efisiensi operasional di Royal Posh Pro. Solusi ini tidak hanya menyelesaikan kendala operasional yang ada tetapi juga memberikan model bagi UMKM lain dalam industri fotografi untuk memanfaatkan teknologi guna meningkatkan daya saing bisnis mereka.

The rapid growth of e-commerce has significantly transformed consumer behavior, particularly among university students. This study examines how e-commerce platforms affect the interest and shopping preferences of students of the Faculty of Economics and Islamic Business, UIN Sultan Maulana Hasanuddin Banten. By analyzing data from surveys conducted among students, the research identifies key factors that drive their engagement with online shopping. These factors include convenience, variety of products, competitive pricing, and the ease of comparing different products. The study also highlights the role of technological advancements, such as mobile applications and secure payment gateways, in enhancing the online shopping experience. Furthermore, it explores the psychological aspects, such as the excitement of online deals and the influence of social media advertising, on students' shopping habits. The findings suggest that e-commerce has not only increased the frequency of students' purchases but also diversified their buying patterns. However, the study also addresses potential challenges, such as the risk of overspending and the impact of impulsive buying. Overall, the research provides valuable insights into the evolving landscape of consumer behavior in the digital age, emphasizing the importance of e-commerce in shaping the shopping interests of the younger generation.      

The emergence of the term Financial Technology (fintech) today is one of the changes caused by current developments. Financial technology (fintech) has several types, one of which is payment gateway. Currently, MSMEs in Indonesia have an important role in Indonesia, namely improving its economy and being able to accelerate regional development. The aim of this research is how influential the use of digital payment "payment gateways" is in improving the financial performance of MSMEs, through the findings and views of previous researchers. The method used is the Systematic Literature Review (SLR) method, which aims to find out the results of previous research related to this research. The results of this research show that digital payments "payment gateway" have a positive effect on improving the financial performance of MSMEs.

The rapid technological developments also have an impact on the financial industry in Indonesia. Financial service providers issue a variety of products to support their business activities and also to serve consumers who use their product services. One of the products they offer to consumers is Fintech. The Fintech innovations offered include Peer to Peer Lending (P2PL), crowdfunding, Payment Gateways, and risk and investment management. From these technological developments, new challenges arise for financial service supervisors and the government to monitor these practices in order to create an environment that is not detrimental between financial service providers and consumers. This study aims to explore the role of existing legal regulations in Indonesia in dealing with technological developments in the financial sector. The research was conducted by means of descriptive analysis and collecting review literature studies to compare and analyze consumer protection in the development of Fintech. The results of this study indicate the need for supervision by financial supervisory institutions in practice to oversee the activities carried out by financial service providers in offering their products to consumers, so that there are no violations that can harm consumers.