Pengaruh Digital Payment Dan Digital Marketing Terhadap Keputusan Berwirausaha Dan Keberlanjutan Usaha Di Era Ekonomi Digital

Authors

  • Pewarni Mendrofa Universitas Nias Author
  • Yoel Larosa Universitas Nias Author

DOI:

https://doi.org/10.70134/jukoni.v3i1.1232

Keywords:

Digital Payment, Digital Marketing, Entrepreneurial Decisions, Business Sustainability, Digital Economy

Abstract

The development of financial technology and digital marketing has fundamentally changed the business landscape. This study aims to analyze the influence of digital payment usage and digital marketing strategies on individual interest in entrepreneurial decisions and their impact on business sustainability. Using descriptive qualitative methods with secondary data analysis from the 2021-2026 digital economy development report, this study found that the ease of digital transactions lowers barriers to entry for new entrepreneurs. Meanwhile, digital marketing plays a crucial role in expanding market reach, ensuring sustainable cash flow. The results show that the integration of these two variables creates a more resilient business ecosystem in developing regions.

Downloads

Download data is not yet available.

References

Chaffey, D., & Ellis-Chadwick, F. (2019). Digital marketing: Strategy, implementation and practice (7th ed.). Pearson Education.

Demirgüç-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2022). The Global Findex database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank.

Ferreira, J. J., & Oliveira, T. (2020). The impact of digital payment platforms on entrepreneurs’ decision to start a business. Computers in Human Behavior, 112, 106456. https://doi.org/10.1016/j.chb.2020.106456

Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of innovation in the financial services industry. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766

Huang, M.-H., & Rust, R. T. (2021). Artificial intelligence in service. Journal of Service Research, 24(1), 3–19. https://doi.org/10.1177/1094670520902266

Kapoor, K. K., Dwivedi, Y. K., Piercy, N. F., & Reynolds, N. (2020). Adoption of digital payment systems: A review and agenda for future research. Technological Forecasting and Social Change, 161, 120276. https://doi.org/10.1016/j.techfore.2020.120276

Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia. (2025). Laporan transformasi digital UMKM Indonesia 2024–2025. KemenKopUKM RI.

Kshetri, N. (2021). Fintech, digital transformation, and sustainable development. Telecommunications Policy, 45(4), 102168. https://doi.org/10.1016/j.telpol.2021.102168

Nguyen, T. H., & Venkatesh, V. (2021). Digital marketing capability and entrepreneurial decision making. International Journal of Entrepreneurial Behavior & Research, 27(7), 1765–1786. https://doi.org/10.1108/IJEBR-04-2020-0214

Pal, P., & Bhadada, S. (2021). Role of digital financial literacy in adoption of digital payments. International Journal of Financial Studies, 9(4), 68. https://doi.org/10.3390/ijfs9040068

Putri, N. R., & Resti, A. M. (2024). Pemanfaatan sistem informasi dalam peningkatan efisiensi layanan publik. Jurnal Sistem Informasi dan Manajemen, 10(2), 138–143.

Suryanto, H., & Kurniawan, A. (2023). Digital marketing strategies and new venture sustainability. Journal of Small Business Strategy, 33(3), 89–105.

Tiurma, R., & Sihombing, A. (2022). Pengaruh digital marketing dan e-commerce terhadap keputusan berwirausaha generasi muda. Jurnal Manajemen dan Kewirausahaan, 18(1), 45–60.

Windarsari, W. R. (2025). Digital marketing adoption and MSME sustainability in Indonesia. Journal of Micro and Small Enterprise Development, 12(1), 25–39.

World Bank. (2023). Financial consumer protection and digital payments. World Bank Group.

Yuneline, M. H. (2025). Digital payment adoption and MSME sustainability in developing economies. Jurnal Manajemen dan Teknologi, 9(1), 55–68.

Zhang, Y., & Li, X. (2020). Digital transformation and entrepreneurial intention. Sustainability, 12(17), 6823. https://doi.org/10.3390/su12176823

Zhou, T. (2019). Understanding users’ adoption of mobile payment: An empirical study. Information Systems Frontiers, 21(5), 1035–1049. https://doi.org/10.1007/s10796-019-09926-2

Published

2026-01-21

How to Cite

Pengaruh Digital Payment Dan Digital Marketing Terhadap Keputusan Berwirausaha Dan Keberlanjutan Usaha Di Era Ekonomi Digital. (2026). Jurnal Ilmu Ekonomi Dan Bisnis, 3(1), 222-227. https://doi.org/10.70134/jukoni.v3i1.1232

Similar Articles

11-20 of 55

You may also start an advanced similarity search for this article.