INTEGRASI PEMBAYARAN DIGITAL DALAM SISTEM AKUNTANSI BERBASIS CLOUD PADA STARTUP TEKNOLOGI MOKA POS DI INDONESIA
DOI:
https://doi.org/10.56127/jekma.v4i2.2061Keywords:
Digital Payment, Cloud Accounting, Financial Efficiency, Startup, Moka POSAbstract
This study aims to analyze the impact of integrating digital payment systems with cloud-based accounting systems on financial management efficiency in Indonesian tech startups, using Moka POS as a case study. Employing a qualitative descriptive approach and secondary data analysis from company reports, the study finds that such integration enables automatic and real-time transaction recording, reducing dependence on manual processes prone to error. The results indicate improved operational efficiency, faster transaction reconciliation, and greater accuracy in financial reporting. These findings are supported by the national trend of significant growth in digital transactions during the 2020–2024 period. The study recommends enhancing digital literacy, developing user-oriented system features, and increasing policy support from the government to expand the sustainable adoption of such technology.
References
[1] Hanum, N. F., & Perdana, R. (2022). The role of cloud computing in improving accounting information systems: Evidence from Indonesian startups. Journal of Emerging Technologies in Accounting, 19(2), 90–108.
[2] Harahap, R. (2023). Efektivitas integrasi sistem pembayaran digital dalam akuntansi berbasis cloud terhadap efisiensi pelaporan keuangan. Jurnal Teknologi Akuntansi, 12(1), 45–58.
[3] Rahmawati, D., & Nugroho, A. (2022). Cloud accounting adoption and digital payment integration among SMEs in Indonesia. Journal of Accounting and Business Innovation, 8(2), 101–115.
[4] Prasetyo, Y. A., & Lestari, A. (2021). Enhancing financial decision-making through digital transaction records: Case study on integrated payment systems. Journal of Digital Business and Innovation, 6(2), 123–135.
[5] Sari, P., & Hidayat, R. (2021). Adoption of POS and cloud-based accounting for small enterprises in Indonesia. Asian Journal of Technology and Management, 14(1), 53–65.
[6] Wicaksono, T., & Wijaya, F. (2023). Digital transformation in accounting systems: A case study of Indonesian tech startups. Jurnal Sistem Informasi Bisnis, 11(3), 211–225.
[7] Yusuf, M., & Kurniawan, A. (2020). The impact of digital payment systems on financial reporting quality in SMEs. Indonesian Journal of Accounting Research, 23(1), 67–82.
[8] Kompas. (2023). Pesatnya transaksi digital susutkan populasi ATM. Kompas.id. https://www.kompas.id/baca/riset/2024/06/12/pesatnya-transaksi-digital-susutkan-populasi-atm
[9] Indonesia.go.id. (2024). Transaksi digital tumbuh pesat. Indonesia.go.id. https://indonesia.go.id/kategori/editorial/8279/transaksi-digital-tumbuh-pesat?lang=1
[10] Sekretariat Negara Republik Indonesia. (2021). Inklusivitas keuangan jadi landasan pertumbuhan ekonomi berkelanjutan. Setneg.go.id. https://www.setneg.go.id/baca/index/inklusivitas_keuangan_jadi_landasan_pertumbuhan_ekonomi_berkelanjutan
