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SME performance has contributed to the establishment and sustainability of the nation’s economy. This paper aimed to analyze the effect of payment systems and peer-to-peer lending on the performance of SMEs. A questionnaire was distributed to SMEs in Sumatra, Indonesia, using an area random sampling technique, and 387 respondents were obtained. The study found that payment systems and peer-to-peer lending do affect the performance of SMEs. Keywords: payment system, peer-to-peer lending, SMEs’ performance

The Impact of Payment Systems and Peer-to-Peer Lending on the Performance of SMEs in Indonesia