Financial technology is a business tool that is presented as a financial solution for small and medium-sized micro enterprises UTAUT2 model (Unified Theory of Acceptance and Use of Technology2) can be a tool to assess the possibility of success of businesses to recognize financial technology and help small and medium-sized micro businesses understand the role of business technology devices. The samples studied in the 2018 - 2020 observation year as many as 660 to the people involved in the MSME sector in the capital buffer area as the center of economic turnaround in Indonesia. This study was analyzed using Partial Least Square (PLS) method and assisted with SmartPLS 3.0 software. There are 3 types of testing, 1) outer model testing (measurement model), 2) inner model testing (structural model), and 3) hypothesis testing. The decision to use financial technology lies in the acceptance and use of financial transactions how financial technology has made businesses grow and bring benefits to businesses findings from this study that the role of financial technology for small and medium-sized micro enterprises is needed for business continuity and business improvement.