FROM DIGITAL TRANSACTIONS TO BUSINESS RESILIENCE: EXPLORING POS TECHNOLOGY, DATA-DRIVEN DECISION-MAKING, AND DIGITAL LITERACY AMONG MSMES
DOI:
https://doi.org/10.15575/jb.v5i1.60542Keywords:
MSMEs, POS Technology, Data-Driven Decision-Making, Digital Literacy, Business Resilience, Qualitative Research.Abstract
This study explores how micro, small, and medium enterprises (MSMEs) utilize Point-of-Sale (POS) technology and transaction data to support business decision-making and strengthen business resilience. It focuses on digital literacy as an enabling capability that shapes MSME owners' and managers' ability to understand, interpret, and use digital business information. The study adopts a descriptive qualitative approach involving MSME owners and managers who use the QASIR POS platform in Indonesia. Participants are purposively selected based on their direct involvement in business management and their experience using QASIR for transactions and business information. The study will collect data through semi-structured in-depth interviews and, where relevant, support them with observation and business documentation voluntarily shared by participants. The study will analyze the data thematically through familiarization, coding, categorization, theme development, review, and interpretation. The study examines four interconnected areas: POS technology utilization, data-driven decision-making practices, digital literacy, and business resilience. Rather than assuming a direct technological effect, the study explores how MSMEs interpret transaction data and translate them into adaptive managerial action. This study shifts attention from whether MSMEs adopt digital technology to how they transform digital technology into managerial capability. It offers a process-oriented qualitative explanation of how POS-generated data, managerial interpretation, and digital literacy may jointly support MSME resilience.
References
Braun, V., & Clarke, V. (2021). One size fits all? What counts as quality practice in (reflexive) thematic analysis? Qualitative Research in Psychology, 18(3), 328–352. https://doi.org/10.1080/14780887.2020.1769238
Browder, R. E., Dwyer, S. M., & Koch, H. (2024). Upgrading adaptation: How digital transformation promotes organizational resilience. Strategic Entrepreneurship Journal, 18(1), 128-164. https://doi.org/10.1002/sej.1483
Dey, P. K., Chowdhury, S., Abadie, A., Vann Yaroson, E., & Sarkar, S. (2024). Artificial intelligence-driven supply chain resilience in Vietnamese manufacturing small-and medium-sized enterprises. International Journal of Production Research, 62(15), 5417-5456. https://doi.org/10.1080/00207543.2023.2179859
Ekawaty, A., Rizky, A., Ramadan, A., & Ndlovu, Z. (2025). Digital transformation strategies for effective business management in SMEs: A Smart PLS approach. APTISI Trans. Manag. ATM, 9(1), 60-71. https://doi.org/10.33050/atm.v9i1.2410
Faiz, F., Le, V., & Masli, E. K. (2024). Determinants of digital technology adoption in innovative SMEs. Journal of Innovation & Knowledge, 9(4), 100610. https://doi.org/10.1016/j.jik.2024.100610
Munandar, A., & Witjaksono, A. D. (2025). Organizational transformation toward agility: Integrating change management, dynamic capabilities, and MSME adaptability. JURISMA: Jurnal Riset Bisnis & Manajemen, 15(1), 185-196. https://doi.org/10.34010/jurisma.v15i1.15897
Noor, M. A. H. H., & Sriyono. (2024). Empowering MSMEs globally with digital literacy and financial resilience strategies. Indonesian Journal of Law and Economics Review, 19(2). https://doi.org/10.21070/ijler.v19i2.1124
Nuraisyiah, Azis, M., & Hasan, M. (2025). Gendered Financial Literacy and Digital Marketing Adoption: Insights from Female Entrepreneurs in an Emerging Economy. Administrative Sciences, 16(1), 11. https://doi.org/10.3390/admsci16010011
Rodiansjah, A. A., Hidayat, A. R., Alifah, N., & Hardiyanto, F. (2026). Digital Transformation and Operational Resilience in Indonesian SMEs. Gema Ekonomi, 5(1), 26-42. https://doi.org/10.36418/gemaekonomi.v15i1.3230
Rony, M. A., & Anggraeni, M. D. (2024). MSME digitalization using point of sale calculator to improve efficiency and productivity. Journal of Informatics Information System Software Engineering and Applications (INISTA), 7(1), 118-126. https://doi.org/10.20895/inista.v7i1.1635
Rosalin, S., & Rachman, R. A. (2024). Implementation of business resilience in MSMEs Malang City in facing the Covid-19 pandemic. Advances in Economics, Business and Management Research, 257, 144–153. Atlantis Press. https://doi.org/10.2991/978-94-6463-240-8_18
Rosalin, S., Raharjo, K., Utami, H. N., & Prasetya, A. (2026). Optimizing competitive advantage of Indonesian startups: A study on the relationship between managerial capability, digital marketing, and business resilience. Cogent Business & Management, 13(1). https://doi.org/10.1080/23311975.2026.2672812
Roux, M., Chowdhury, S., Kumar Dey, P., Vann Yaroson, E., Pereira, V., & Abadie, A. (2025). Small and medium-sized enterprises as technology innovation intermediaries in sustainable business ecosystem: interplay between AI adoption, low carbon management and resilience. Annals of Operations Research, 355(2), 1537-1586. https://doi.org/10.1007/s10479-023-05760-1
Sandi, K., Rusmina, C., Ramisah, N., Nurfiqi, A., & Zalila, A. (2025). The Role of Accounting Information Systems in Enhancing MSME Performance Post-Pandemic: A Review. ICoBITS, 1, 264-276. https://doi.org/10.32664/icobits.v1.134
Santoso, R., Putri, D., & Puspasari, I. (2026). AI-Driven Decision Support for SME Digital Transformation and Financial Resilience: Evidence from East Java, Indonesia. International Journal of Economics, Business and Accounting Research (IJEBAR), 10(3). https://doi.org/10.29040/ijebar.v10i3.20026
Sitorus, S. A., Siagian, N., & Steven, O. (2025). Business model innovation in the digital ecosystem: the role of transformation, readiness, and digital inclusion for sustainable economic growth. International Journal of Management, Entrepreneurship, Social Science and Humanities, 9. https://doi.org/10.31098/ijmesh.v9i2.3808
Szukits, Á., & Móricz, P. (2024). Towards data-driven decision making: The role of analytical culture and centralization efforts. Review of Managerial Science, 18, 2849–2887. https://doi.org/10.1007/s11846-023-00694-1
Tong, A., Sainsbury, P., & Craig, J. (2007). Consolidated criteria for reporting qualitative research (COREQ): A 32-item checklist for interviews and focus groups. International Journal for Quality in Health Care, 19(6), 349–357. https://doi.org/10.1093/intqhc/mzm042
Verreynne, M.-L., Ford, J., & Steen, J. (2023). Strategic factors conferring organizational resilience in SMEs during economic crises: A measurement scale. International Journal of Entrepreneurial Behavior & Research, 29(6), 1338-1375. https://doi.org/10.1108/IJEBR-07-2022-0681
Zhou, Y. (2025). Research on the Construction Path of Organizational Resilience for Small and Medium-sized Enterprises under the Background of Digital Transformation. Transactions on Economics, Business and Management Research, 16, 202-209. https://doi.org/10.62051/kjgcgv04
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
