Table 4.

The demographic of participants that shows all relevant data for the respondents in this study. Small entrepreneurs with small businesses have an average of more than three years of various work experience, mostly in food and beverage sales. The table found that 26.75 % graduated with a bachelor's degree, had an average income of about 20,000–30,000 baht, and used two or more loan applications up to 50.75 %. From this population data Shows that this is a population with a bachelor's degree. and have a moderate level of income There is one or more financial applications. However, the lack of digital financial literacy and sufficient motivation to utilize the various financial services currently available is a significant obstacle.

Demographic		Frequency	Percentage
Gender	Male	172	43.00
	Female	228	57.00
Business Scope	Food and Beverage	127	31.75
	Retail	62	15.50
	Service	90	22.50
	Agriculturist	121	30.25
Business Experience	>3 years	338	84.50
	1–3 years	160	40.00
	<1 year	37	9.25
Educational Qualification	Elementary school	86	21.50
	Secondary school or diploma	91	22.75
	Bachelor's degree	107	26.75
	Master's degree	81	20.25
	Higher than a master's degree	35	8.75
Monthly Income	>40,000 baht	64	16.00
	30,000–40,000 baht	87	21.75
	20,000–30,000 baht	111	27.75
	10,000–20,000 baht	62	15.50
	>10,000 baht	76	19.00
Number of Online loan Application	More than 3 applications	156	39.00
	1 or more applications	203	50.75
	Not have	41	10.25

Source: Author Own, 2023