ABSTRACT:

Small and Medium Enterprises (SMEs) is one of the pillars and strengths that contribute to the Indonesian economy. SMEs in Indonesia began to grow because of the growing technology. One of the supporting factors is the business of Financial Technology (fintech). This study aims to find out the factors that affect the intention of SMEs (vendors) in terms of the use of Financial Technology in the form of cashless payment applications (for the example: OVO, T-Cash, and so on). This research uses semi-structured research framework with T-O-E (Technology - Organization - Environment) approach. The method used is qualitative descriptive. Data on influencing factors are obtained from semi-structured interviews to describe the phenomenon of application-based cashless payment. Validity is tested with source triangulation. An approach is needed to determine the factors that most influence the acceleration of adoption of financial technology. Once these factors are known, step approach and development will be easier to do.

Keywords: Financial Technology, SME, intention, Small and Medium Enterprises (SMEs)

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