Compared to ASEAN countries, Indonesia still ranks low in non-cash transactions. Based on McKinsey (2013) study, Indonesia's non-cash retail transactions amounted to 0.6%, while for Thailand 2.8% and Malaysia 7.7%. Singapore ranks highest at 44.5%. One of the causes of low noncash transactions in Indonesia is the low involvement of retail small and medium enterprises (SMEs) in implementing non-cash transactions in their business environment. This study aims to analyze factors supporting the implementation of non-cash transactions in retail SMEs. The method used in this research is by the Analytical Hierarchy Process (AHP) approach. The results of the study found that the implementation of non-cash transactions can be enhanced by maximizing the potential carrying capacity: (1) Speed, (2) Security, (3) Efficiency / Practice, (4) Value of money, and (5) Government program. The main supporting factor that gets the highest priority is efficiency or practicality of 23%.
