The Impact of Digital Financial Inclusion on Micro-Enterprise Performance in Southeast Asia

Abstract

This study investigates the relationship between digital financial inclusion and the performance of micro-enterprises in Southeast Asia. A cross-sectional quantitative design was employed, sampling 350 micro-enterprise owners across Thailand, Vietnam, and Indonesia. Data were collected using structured questionnaires covering digital financial access, usage behavior, and business performance indicators. Statistical techniques including multiple regression and correlation analyses were applied. Findings reveal that digital payment adoption and access to mobile banking services significantly enhance revenue growth and financial resilience among micro-enterprises. The study concludes that digital financial inclusion plays a critical role in improving economic outcomes at the micro level, with policy implications for regional development and financial regulation. Limitations and recommendations for future research are addressed.