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This study aims to analyze the influence of Financial Technology (FinTech) and Climate Technology (Climate-Tech) on the economic resilience of MSMEs in East Java, with organizational agility as a mediator. This study uses a hybrid explanatory-predictive approach, the analysis was conducted with Structural Equation Modeling-Partial Least Squares (SEM-PLS) and machine learning (Random Forest, SVM, Gradient Boosting) on 400 MSMEs. The results show that FinTech (β = 0.28) and Climate-Tech (β = 0.31) have a significant effect on resilience, both directly and through agility. SEM-PLS produces R2 = 0.52 (moderate) and Q2 = 0.39 (good predictive relevance). Machine Learning analysis strengthens these results with Gradient Boosting as the best model (88% accuracy, ROC-AUC 0.92). Climate-Tech is the most dominant factor, while agility has proven to be a strategic mechanism that strengthens the impact of digital technology on MSME resilience.

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Adopting FinTech and Climate-Tech for Sustainable MSME Economic Resilience in East Java: A Machine Learning-Based Predictive Analysis

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  • 发表日期：

    2026年

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  • Umi Suryani,
  • Kartini Harahap,
  • Eko Cahyo Mayndarto,
  • Zeze Zakaria Hamzah,
  • Robbi Saepul Rahman,
  • Dyah Mieta Setyawati

摘要

This study aims to analyze the influence of Financial Technology (FinTech) and Climate Technology (Climate-Tech) on the economic resilience of MSMEs in East Java, with organizational agility as a mediator. This study uses a hybrid explanatory-predictive approach, the analysis was conducted with Structural Equation Modeling-Partial Least Squares (SEM-PLS) and machine learning (Random Forest, SVM, Gradient Boosting) on 400 MSMEs. The results show that FinTech (β = 0.28) and Climate-Tech (β = 0.31) have a significant effect on resilience, both directly and through agility. SEM-PLS produces R2 = 0.52 (moderate) and Q2 = 0.39 (good predictive relevance). Machine Learning analysis strengthens these results with Gradient Boosting as the best model (88% accuracy, ROC-AUC 0.92). Climate-Tech is the most dominant factor, while agility has proven to be a strategic mechanism that strengthens the impact of digital technology on MSME resilience.