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Technological advancements, particularly in the field of Financial Technology (Fintech), play a significant role in the sustainability of Micro, Small, and Medium Enterprises (MSMEs). This study aims to assess the level of Fintech utilization in MSME operations in Magelang Regency, with a focus on Micro Enterprises. The research employs a descriptive qualitative method, combining a literature review with interviews and observations of several MSME business actors. The findings reveal that while Fintech holds the potential for supporting MSME growth, its adoption among micro-businesses in Magelang remains limited. Fintech is largely used as a supplementary tool rather than a core component of business operations. To fully maximize the utilization and benefits of Fintech in the Microbusiness sector, MSMEs require guidance and outreach programs on digital literacy and the practical application of Financial Technology. Additionally, infrastructure support, such as reliable internet connectivity, is essential to ensure access to information across various regions. [ABSTRACT FROM AUTHOR]

Technological developments, especially in the financial sector, are slowly changing the financial industry through digitalization towards fintech. The application of fintech has been introduced to Indonesia in the last few years; however, the existence and development of fintech in Indonesia still needs to be studied further. This review provided a comprehensive overview of farmer technology accessibility, fintech preferences, fintech application impacts, fintech application problems, and challenges in the future. The review data are taken from the primary and secondary data related to fintech from numerous publications in Google Scholar, the interview of Indonesian farmers, and Indonesian Government data, including the Central Statistics Agency. This study confirmed that a fintech provider has been developed in Indonesia. The farmers' accessibility to fintech was different between urban and rural areas due to the farmers' education levels and the availability of the infrastructure. Fintech can provide practicality, ease of access, comfort, and cost-effectiveness, and can solve existing problems in Indonesian society. However, several problems arise, including infrastructure and internet access that is less supportive, as well as a lack of education, competent workers, and regulation. Agricultural fintech is a promising business in the future, despite the many challenges that need to be overcome for a stronger agricultural sector. [ABSTRACT FROM AUTHOR]

Explores the social implications of the Internet in Indonesia. Debate about the economic implications of the information revolution; Ways in which the Internet has been implicated in different points of political struggle; Growth of Internet users in Maluku.