Designing a Pocket Finance App to Empower Indonesian MSMEs: An Innovative Approach

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in economic development; however, many face difficulties in preparing accurate financial and tax reports due to limited human resources, inadequate accounting expertise, and fragmented reporting systems. Although accounting information systems have been widely adopted to support financial management, applications that integrate both financial and tax reporting functions remain limited. This study aims to develop AccounTax, a cloud-based application that integrates financial and tax reporting to support MSME compliance and operational efficiency. The research employed the Scrum methodology, an agile software development framework that facilitates iterative design, development, and continuous stakeholder feedback. The study was conducted through three main phases: planning, system development, and testing and evaluation. During the planning phase, user requirements were identified through consultations with MSME actors and domain experts. The development phase focused on designing and implementing key features, including automated financial reporting, tax calculation, and cloud-based data management. The testing and evaluation phase assessed system functionality, usability, and user acceptance. The findings indicate that both experts and MSME users perceive AccounTax as an innovative and practical financial management solution. Features such as the integrated tax calculator and automated reporting tools effectively address common reporting challenges faced by MSMEs. The implementation of AccounTax is expected to simplify financial and tax administration processes, improve reporting accuracy, and enhance compliance with financial and taxation regulations, thereby supporting the sustainable growth of MSMEs.