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| Topic | Question |
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| Introduction | Researchers asked SMEs about the type of business and personal data such as name, age, and place of residence. |
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| Experience | How long have you been trading in the traditional clothing market? |
| Do you open a business online? |
| What platform do I use to open a business online? |
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| Usage barrier | Do you use digital payments? |
| What type of digital payment do you use? |
| How long have you been using digital payments? |
| Do you use more than one type of digital payment? |
| What are the features of digital payments? |
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| Tradition barrier | Are you more comfortable transacting directly or online? |
| Why are you more interested in transacting directly or online? |
| Do you have other digital payment applications? |
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| Value barrier | What do you like about using digital payments? |
| Does digital payment provide incentives, cashback, or discounts to users? If so, what kind of program is it? |
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| Risk barrier | In your opinion, are transactions through digital payments safe? |
| Why do you think that there is potential for data security or insecurity? |
| When you have problems with your smartphone, does it affect digital payments? |
| What affects digital payments when a problem occurs on a smartphone? |
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| Image barrier | What are the considerations for you7 in choosing a digital payment service? |
| Is company image important? |
| Does every transaction need approval? |
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