56 CHAPTER 5 CONCLUSION AND RECOMMENDATION This chapter contains a conclusion that addresses the research problem and research questions outlined in the first chapter. Furthermore, this research proposes recommendations for regulatory authority, MSME, and future research. 5.1 Conclusion This research analyzes the effect of financial technology adoption, financial literacy, and access to financing on MSME sustainability performance in terms of environmental, economic, and social. Additionally, this research investigates the mediating effect of access to finance on MSME sustainability performance in terms of environmental, economic, and social. The main results are as follows: 1. Financial technology adoption has a significant positive effect on access to finance and MSME sustainability performance in terms of environmental, economic, and social. Furthermore, access to finance has a significant positive effect on the MSME sustainability performance in terms of environmental, economic, and social. Meanwhile, financial literacy has a significant positive effect on access to finance but an insignificant positive effect on the MSME sustainability performance in terms of environmental, economic, and social. These findings indicate that MSMEs with financial technology adoption and financial literacy have an effect on access to finance. However, only MSMEs with financial technology adoption and access to finance have an effect on sustainability performance in environmental, economic, and social. 2. Regarding access to finance as a mediating variable, it shows that financial technology adoption has a significant positive direct and indirect effect on MSME sustainability performance. Thus, it indicates that access to finance has a partially positive mediation effect of financial technology adoption on MSME sustainability performance in terms of environmental, economic, and social. Meanwhile, financial literacy has a significant positive indirect effect on MSME sustainability performance but no significant direct effect on MSME sustainability performance; thus, access to finance has a full mediation effect of financial 57 literacy on MSME sustainability performance in terms of environmental, economic, and social. 5.2 Recommendation for Regulator Authority Based on the data results, there are multiple recommendations that may be made for government organizations and financial institutions: 1. Increase financial literacy awareness: because there is no significant effect of financial literacy on MSME sustainability performance, regulators should concentrate on creating programs and practical guidelines that demonstrate specific steps MSMEs may take to incorporate financial literacy into sustainable business operations. 2. Enhance access to finance: because access to finance has a mediating effect of financial technology adoption and financial literacy on MSME sustainability performance, regulators should support MSMEs to enhance their access to financing. This may be achieved by accelerating the financing process and offering incentives to MSMEs that contribute to sustainability. 3.