<![CDATA[Bagaimana impresi penggunaan e-payment dan niat berperilaku baru menggunakan e-payment di masa new normal pada usaha mikro dan kecil?. Penelitian ini bertujuan menguji model penelitian yang menjelaskan impresi e-payment dan niat berperilaku baru terhadap pemanfaatan inklusi keuangan digital UMK. Sampel penelitian adalah usaha mikro dan kecil di Cikarang, sebanyak 81 responden pemilik UMK. Data penelitian diolah dan dianalisa menggunakan SEM-PLS dengan aplikasi WrapPLS 7.0. Hasil penelitian mengemukakan bahwa impresi e-payment berpengaruh positif signifikan terhadap niat berperilaku dan inklusi keuangan. Niat berperilaku baru penggunaan e-payment berpengaruh signifikan positif pada inklusi keuangan UMK. Niat berperilaku baru memediasi parsial hubungan impresi e-payment terhadap inklusi keuangan digital UMK. Niat perperilaku baru penggunaan Fintech berkontribusi lebih besar dibandingkan impresi penggunaan e-payment pada transaksi keuangan digital UMK.How are the impressions of using e-payments and new behavior intentions using e-payments in the new normal for micro and small businesses? This study aims to examine a research model that explains the impression of e-payments and new behavioral intentions toward utilization of digital financial inclusion MSEs. The research sample is micro and small businesses in Cikarang, with 81 respondents who own MSEs. The research data was processed and analyzed using SEM-PLS with the WrapPLS 7.0 application. The results showed that the impression of e-payment had a significant positive effect on behavioral intentions and financial inclusion. The new behavioral intention to use e-payments has a significant positive effect on MSEs' financial inclusion. New behavioral intentions partially mediate the impression of e-payment on digital financial inclusion of MSEs. The new behavioral intention to use Fintech contributes more than the impression of using e-payments in MSE digital financial transactions.]]>
