Accelerating Digital Transformation and Green Financing: Analyzing the Role of Artificial Intelligence in Enhancing Financial Inclusion and Sustainable Performance of MSMEs

Authors

  • Juli Meliza Sekolah Tinggi Ilmu Manajemen Sukma, Medan, Indonesia Author
  • Yeni Ariesa Universitas Prima Indonesia, Medan, Indonesia Author
  • Fenny Krisna Marpaung Universitas Prima Indonesia, Medan, Indonesia Author
  • Kartika Nur Salsabila Sekolah Tinggi Ilmu Manajemen Sukma, Medan, Indonesia Author

Keywords:

Green Financing, Artificial Intelligence, Financial Inclusion, Sustainable Performance

Abstract

This study aims to analyze the role of Artificial Intelligence (AI) in accelerating digital transformation and green financing to enhance financial inclusion and sustainable performance among culinary MSMEs in Medan City, North Sumatra. The research was conducted from April to October 2025, targeting the population of local culinary MSME actors. Utilizing a purposive sampling technique based on criteria of at least 3 years of operation and registration in the digital ecosystem, the sample comprised 130 survey respondents alongside 10 MSME owners participating in Focus Group Discussions (FGDs). Data analysis techniques integrated qualitative-quantitative descriptive analysis and inferential statistics using Structural Equation Modeling (SEM) via SmartPLS 4.0, incorporating path analysis and the Sobel test for mediation effects. The findings demonstrate that smart technology integration significantly enhances operational efficiency while unlocking access to a transparent and inclusive green financing ecosystem. The study's implications provide an AI-driven digital transformation acceleration strategy model for policymakers to optimize digital credit scoring and reinforce Environmental, Social, and Governance (ESG) compliance in the culinary MSME sector.

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Published

2026-07-24

Issue

Vol. 1 No. 2 (2026): Proceedings of the 1th BIM BALI Conference

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Articles

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Copyright (c) 2026 Juli Meliza, Yeni Ariesa, Fenny Krisna Marpaung, Kartika Nur Salsabila (Author)

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