Digital Readiness Moderation on the Influence of Financial Literacy and QRIS Utilization on the Performance of Micro and Small Enterprises

Digital transformation is a strategic element in increasing the competitiveness of Micro and Small Enterprises (MSEs), especially through the adoption of digital payment systems such as QRIS. However, the low level of digital readiness and financial literacy is still the main obstacle in the use of financial technology in Indonesia. This study aims to analyze the influence of financial literacy and the use of QRIS on the performance of MSEs in Denpasar, as well as test the role of digital readiness as a moderation variable. The research method uses a quantitative approach with a survey of 95 MSE actors who use QRIS. Data analysis was carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of the study show that financial literacy has a positive and significant effect on the performance of MSEs, while the use of QRIS and digital readiness has a positive but not significant effect. Digital readiness negatively moderates the relationship between financial literacy and MSE performance, as well as moderates positively but not significantly the relationship between QRIS utilization and MSE performance. These results confirm that digital readiness that is not balanced with good financial literacy can weaken the positive influence on business performance.