Analysis of the Use of Cashless Payment Methods by Evi Tenggiri MSMEs Consumers in Bengkulu City

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy and the culinary MSME sector in Bengkulu City is growing rapidly, supported by abundant marine resources and increasing consumer demand. In this context, the fish-based culinary business Evi Tenggiri has begun adopting cashless payment systems such as e-wallets, mobile banking, QRIS, and debit/credit cards, yet cash transactions still dominate daily operations. This study aims to analyze the level of cashless payment usage and to identify the factors that influence consumers in using cashless payments at Evi Tenggiri MSMEs in Bengkulu City. An accidental sampling technique was applied to consumers who conducted cashless transactions within the last month. Descriptive analysis was used to describe respondent characteristics and the intensity of cashless payment usage, while binary logistic regression was employed to examine the determinants of usage. The results indicate that most consumers are in the “frequently use” category, although cashless payments have not fully replaced cash in routine transactions. Furthermore, ease of use and service quality have a significant positive effect on the likelihood of using cashless payments, whereas security and compatibility do not show a significant influence. These findings suggest that consumer decisions are primarily driven by practical benefits directly perceived during transactions rather than by security concerns or lifestyle considerations. The study concludes that strengthening cashless payment adoption in MSMEs requires improving ease of use and service quality while maintaining adequate security standards.