The Impact of Mobile Payment on Non-Financial Performance of SMEs During the COVID-19 Pandemic

Abstract

This research aims to increase the use of Information Communication Technology (ICT) services to gain a competitive advantage. As a result, this study looked into the impact of long-term use of mobile payment apps on non-financial performance on SME performance during the COVID-19 epidemic. A quantitative technique was used to identify a sample of SMEs in Malang, Indonesia. The data was acquired from the questionnaire distributions of the SME sample. They were analyzed with SPSS 21, and the findings show a link between the continued use of cellular payments and SMEs' non-financial performance throughout the COVID-19 pandemic. Using the Technology-Organization-Environment (TOE) model, the relationship between the adoption of cellular payment applications and the non-financial performance of SMEs during the COVID-19 epidemic is described.