Factors influencing SaaS adoption by MSMEs

Cloud computing has been around for quite long, yet some organizations have never used it, especially MSMEs in Indonesia. Several factors hinder its implementation by MSMEs, including unequal infrastructure for using the internet in Indonesia. This paper assesses the literature on cloud computing, SaaS, e-Commerce, and e-wallet to determine the initial factors that affect technology implementation. The results showed that the frameworks widely used to obtain and assess variables include the DOI, TAM, and TOE. Furthermore, compatibility and the pressure from competitors to adopt technology are the highly considered variables. Among the factors, perceived usefulness and ease of use is also deemed by MSMEs in implementing e-commerce and e-wallet.