Affiliate Marketing and Payment Gateway Adoption Among Bandung MSMEs

Authors

  • Andry Mochamad Ramdan Program Studi Imu Administrasi Bisnis, Universitas Pasundan, Bandung

DOI:

https://doi.org/10.67096/mekar.v1i4.547

Keywords:

affiliate marketing, payment gateway, micro small and medium enterprises, observation, netnography

Abstract

This article develops a qualitative framework for examining affiliate marketing and payment gateway adoption among micro, small, and medium enterprises in Bandung City, Indonesia. The proposed method combines nonparticipant observation of payment routines with netnography of online referral discussions. Purposive sampling will follow identifiable episodes from promotional exposure through registration, use, or rejection. The conceptual analysis identifies affiliate credibility, practical education, incentive transparency, and operational fit as candidate mechanisms, while considering attribution uncertainty and selective online visibility. These are propositions for field investigation, not empirical findings. The contribution is an episode-based protocol for comparing online promises with observable business practices. Fieldwork is required before conclusions about adoption outcomes or affiliate effectiveness can be established.

References

Bank Indonesia. (n.d.). Channels and services. Retrieved October 4, 2026, from https://www.bi.go.id/en/fungsi-utama/sistem-pembayaran/ritel/kanal-layanan/default.aspx

Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008

Diskominfo Kota Bandung. (2025, December 10). Bandung perkuat inovasi, digitalisasi, dan pendataan UMKM di 2026. Portal Jabar. https://jabarprov.go.id/berita/bandung-perkuat-inovasi-digitalisasi-dan-pendataan-umkm-di-2026-22389

Dwivedi, Y. K., Rana, N. P., & Alryalat, M. A. A. (2017). Affiliate marketing: An overview and analysis of emerging literature. The Marketing Review, 17(1), 33–50. https://doi.org/10.1362/146934717X14909733966092

franzke, a. s., Bechmann, A., Zimmer, M., Ess, C., & Association of Internet Researchers. (2020). Internet research: Ethical guidelines 3.0. https://aoir.org/reports/ethics3.pdf

Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51–90. https://doi.org/10.2307/30036519

Indriani Jusuf, D., & Mochamad Ramdan, A. (2024). The Role of Social Media on Customer Satisfaction in Gen Z : A Case Study of Subang Regency. Journal of Management, 3(2), 485–493. Retrieved from https://myjournal.or.id/index.php/JOM/article/view/232

Kozinets, R. V. (2002). The field behind the screen: Using netnography for marketing research in online communities. Journal of Marketing Research, 39(1), 61–72. https://doi.org/10.1509/jmkr.39.1.61.18935

Ramdan, A. M., M Fikri Maulana, Bila Shavitri Damayanti, & Selfi Apriliani. (2026). The Digital Resilience Strategies Of Night-Time Culinary SMES (Evidence From Bandung Indonesia). International Journal of Management and Business Economics, 5(1), 59–65. https://doi.org/10.58540/ijmebe.v5i1.2146

Ramdan. A.M (2026) Membangun Komunitas Merek Digital: Studi Netnografi tentang Praktik Pemasaran Media Sosial di Kalangan Usaha Mikro, Kecil, dan Menengah (UMKM) Kuliner di Bandung. Businesspreneur: Jurnal Ilmu Administrasu Bisnis Vol. 8 No. 2 (2026): Vol. 8 No. 2 September 2026

Published

2026-09-30

How to Cite

Andry Mochamad Ramdan. (2026). Affiliate Marketing and Payment Gateway Adoption Among Bandung MSMEs. Mekar: Jurnal Dinamika Manajemen Dan Akuntansi Modern, 1(4), 1537–1546. https://doi.org/10.67096/mekar.v1i4.547