Purpose -This study aims to find out what variables cause problems when people use financial technology. Methodology- This research uses quantitative methods with primary data as a data source. The polls used are all MSMEs registered as mentors in Sidoarjo Regency with data collection techniques using questionnaires with sampling techniques in this study, namely purposive techniques. The data analysis technique used is the Outer Model test including the validity and reliability of the data. Next is the Inner Model to test hypotheses using the SmartPLS program tool version 3.0. Finding-The finding showed that the variable of risk, transaction, revenue has a significant and positive effect on financial technology while the financial inclusion variable does not affect financial technology. Originality- The article is an original article that has never been submitted in any journal and this article is well organized and correct.