Seeing the existence of MSME needs that have still not been met although this sector is undeniably important in Indonesian economy, changes in community behaviour and the intensity of the use of technology in the community, financial technology (fintech) has a lot of potentials to become a part of the solution of the problem commonly faced by MSMEs. Therefore this research needs to be done to observe the potential of fintech in integrating MSMEs in terms of the application of technology and knowledge from the community related to fintech. By using Technology Acceptance Model, this research tries to understand the determinant factors of the fintech application used by MSME. Based on the research framework and model, path analysis method used in this research. This research uses primary data gathered by the questioner, which was distributed to MSME. From the analysis conducted, we can conclude that the external factors tested in this research could have an effect on the behaviour intention through perceived usefulness in MSME practice of financial technology. Large variation in MSME educational background, busineess age and size would become a challenge in promoting fintech application, therefore this finding suggests that fintech should be promoted by highlighting what benefits can be obtained by using fintech application.

Abstract
1. Introduction
2. Literature Review
    2.1. Micro, Small, And Medium Enterprises(MSME)
    2.2. Financial Technology (Fintech)
    2.3. Technology Acceptance Model (TAM) andPrevious Research
    2.4. Proposed Model and Hypothesis Development
3. Research Methodology
4. Result and Analysis
    4.1. Validity and Reliability Test
    4.2. Evaluation of Structured Model
    4.3. Data Analysis
5. Discussion
6. Conclusion
7. Limitations and Future Research
References

• Pupung PURNAMASARI(Accounting Department, Economic and Business Faculty, University Islam Bandung)
• Irena Paramita PRAMONO(Accounting Department, Economic and Business Faculty, Universitas Islam Bandung) Corresponding Author
• Ria HARYATININGSIH(Economic Department, Economic and Business Faculty, Universitas Islam Bandung)
• Shahifol Arbi ISMAIL(School of Accountancy, University Utara Malaysia)
• Rohami SHAFIE(School of Accountancy, University Utara Malaysia)