The Effect of Fontech Transactions, E-Commerce, and Human Resources Quality on the Competitiveness of Small Medium Apparel Industries in Denpasar City

Small and Medium Industries (SMIs) are industries that are able to contribute on economic growth. One type of SMIs that is apparel industries. The development of the apparel industries certainly createscompetition among business owners. Competitiveness on the apparel industries needs to be maintained, so that the industries does not lag behind causing a decrease of the number industries. The purpose of this research wasto analyze simultaneous and partial effect of fintech transaction, e-commerce, and human resources quality onthe competitiveness of small medium apparel industries in Denpasar City. The research population is all apparel SMEs in Denpasar City with a sample is 87 respondents. The results research found that fintech transaction, e-commerce, and human resources quality simultaneously had a significant effect on the competitiveness of smallmedium apparel industries in Denpasar City. Fintech transactions partially has a positive and significant effecton the competitiveness of small medium apparel industries in Denpasar City. E-commerce partially has apositive and significant effect on the competitiveness of small medium apparel industries in Denpasar City.Human resources quality partially has a positive and significant effect on the competitiveness of small mediumapparel industries in Denpasar City.