The rapid evolution of technology and a large number smartphone users are transforming the way masses access financial services. Fintech companies consistently innovate in developing customized products services for SMEs to increase inclusiveness achieve Indonesian national inclusion target 90 percent by 2024. Access digital via contributes greater SMEs, particularly during COVID-19 pandemic, which restricted economic activities. Using an extended TAM model, this study explores driving factors adoption outbreak. Data analysis 415 respondents was conducted utilizing Smart-PLS 3.0 software. findings confirm perceived usefulness, ease use, government support, trust, user innovativeness have direct positive effect on intention adopt Fintech. result also reveals that literacy indirectly correlates with mediated innovativeness. This indicates could contribute bridging where lower can utilize is contribution economies. present suggests policymakers foster expansion business infrastructure improve SME

Fintech Adoption Drivers for Innovation for SMEs in Indonesia