https://journal.privietlab.org/index.php/JFL <table class="deskripsi"> <tbody> <tr> <td class="label">Journal Title</td> <td class="colon">:</td> <td><a href="https://journal.privietlab.org/index.php/JFL">Journal of Financial Literacy</a></td> </tr> <tr> <td class="label">Initials</td> <td class="colon">:</td> <td>JFL</td> </tr> <tr> <td class="label">Frequency</td> <td class="colon">:</td> <td>-</td> </tr> <tr> <td class="label">Online ISSN</td> <td class="colon">:</td> <td><a href="#" target="_blank" rel="noopener">XXXX-XXXX</a></td> </tr> <tr> <td class="label">Online ISSN</td> <td class="colon">:</td> <td><a href="#" target="_blank" rel="noopener">XXXX-XXXX</a></td> </tr> <tr> <td class="label">Editor in Chief</td> <td class="colon">:</td> <td>-</td> </tr> <tr> <td class="label">DOI</td> <td class="colon">:</td> <td>-</td> </tr> <tr> <td class="label">Publisher</td> <td class="colon">:</td> <td><a href="https://privietlab.org" target="_blank" rel="noopener">PRIVIETLAB</a></td> </tr> </tbody> </table> <p>Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Maecenas porttitor congue massa. Fusce posuere, magna sed pulvinar ultricies, purus lectus malesuada libero, sit amet commodo magna eros quis urna. Nunc viverra imperdiet enim. Fusce est. Vivamus a tellus. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Proin pharetra nonummy pede. Mauris et orci. Aenean nec lorem. In porttitor. Donec laoreet nonummy augue. Suspendisse dui purus, scelerisque at, vulputate vitae, pretium mattis, nunc. Mauris eget neque at sem venenatis eleifend. Ut nonummy. Fusce aliquet pede non pede. Suspendisse dapibus lorem pellentesque magna. Integer nulla. Donec blandit feugiat ligula. Donec hendrerit, felis et imperdiet euismod, purus ipsum pretium metus, in lacinia nulla nisl eget sapien.</p> en-US Journal of Financial Literacy https://journal.privietlab.org/index.php/JFL/article/view/1863 <p>Digital platforms have become a dominant form of economic organization, yet small and medium-sized enterprises (SMEs) often participate in platform ecosystems without clear guidance on how platform governance changes value creation and value capture. This study develops an original economics-based scoping review of peer-reviewed, DOI-bearing literature to explain how platform participation affects SME performance, innovation, and dependency. Drawing on transaction cost economics, institutional economics, resource-based theory, dynamic capabilities, multi-sided market theory, and ecosystem strategy, the article asks: What economic mechanisms explain SME value creation on platforms, what governance tensions affect value capture, and what research agenda follows for business management scholarship? A theory-led scoping method was used to synthesize 40 DOI-verified sources, including foundational economics articles and contemporary digital platform studies. The synthesis identifies five connected mechanisms: transaction-cost economizing, network-effect scaling, boundary-resource governance, ecosystem complementarities, and SME platform capability. It also shows that platforms do not simply reduce market frictions; they relocate coordination, bargaining, and innovation risks from traditional firm boundaries into platform rules, interfaces, data architectures, and complementor relationships. The article contributes a three-layer framework - economizing, orchestrating, and capability-building - and proposes testable propositions for future empirical research. The findings suggest that SMEs benefit most when digital platform capability and network capability are combined with institutional safeguards against platform-owner opportunism, opaque algorithmic governance, and complementor displacement. The study concludes that platform participation is best understood not as a purely technological adoption decision but as a governance choice shaped by transaction costs, capabilities, and ecosystem power.</p> Olivia Putri Dahlan Copyright (c) 2026 Journal of Financial Literacy 2026-01-20 2026-01-20 1 1 1 16