THE ROLE OF E-WALLETS IN IMPROVING PAYMENT ACCESSIBILITY IN BUSINESSES
Kata Kunci:
E-Wallet, Payment Accessibility, Digital Business, Fintech, Financial InclusionAbstrak
The development of financial technology (fintech) has brought significant transformation in the digital business ecosystem, especially through the adoption of electronic wallets (E-Wallets). This research aims to explore the role of E-Wallets in improving payment accessibility in digital businesses, focusing on how this technology expands financial inclusion, facilitates transactions, and supports the growth of the digital economy. Using a qualitative approach based on literature as well as secondary data from various sources, the study found that E-Wallets play an important role in overcoming traditional payment barriers, such as limited banking access and complex transaction processes. In addition, E-Wallets allow digital businesses to reach a wider range of consumers, especially in areas with minimal financial infrastructure. The study also identified challenges, including low digital literacy and security concerns, that are influencing the widespread adoption of E-Wallets. The results of this study provide strategic insights for digital business players and policymakers in utilizing E-Wallets to drive greater financial inclusion.
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