THE IMPACT OF ELECTRONIC PAYMENT SYSTEMS ON ENHANCING THE COMPETITIVENESS OF GOVERNMENT INSTITUTIONS IN LIGHT OF DIGITAL TRANSFORMATION
Keywords:
The use of electronic payment systems, competitive efficiency, digital transformationAbstract
Based on the importance of electronic payment systems and the function of digitalization as a strategic instrument to improve the performance of government institutions and to increase the quality of public services, the purpose of this study was to answer the question of "What is the effect of electronic payment systems on improving competitiveness of government institutions under the context of digital transformation?" The study aimed to respond to the main question: How do electronic payment systems help to improve the competitiveness of the government institutions?
This study was descriptive-analytical. Data were collected from the questionnaire given to the respondents from the selected government institutions with electronic payment system. The data obtained were analyzed using SPSS statistical software based on arithmetic mean, standard deviations, Pearson correlation coefficient and linear regression analysis at 0.05 level of significance. The results indicated that the extent of e-payment systems used is statistically significantly, positively associated and affects on competitiveness dimensions as operational efficiency, service quality, speed of completion, beneficiary satisfaction and cost reduction. The results achieved showed that using electronic payment provides better performance of government institutions, more transparency in the financial aspects, and reduces reliance on cash payments, all of which are good for the image and competitiveness of government institutions. The study suggested the use of electronic payment systems to be further extended within a comprehensive digital transformation plan, as well as the provision of a strong technological platform, training of human resources and updating of the legislation on the regulations of digital transactions. It will contribute to the best use of these systems in the field of optimizing the efficiency of government institutions and services to citizens.
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