The urgent of study is to optimize of the use of financial technology and to expansive of financial inclusion. The purpose of this study was to determine and analyze the effect of financial technology on financial inclusion, the object of research was conducted on SMEs in Palembang City. The population used was 287 SMEs in Palembang City. The sample used was 74 people. The data collection method used a questionnaire. The analysis technique uses statistical tests through hypothesis testing, the

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... oefficient of determination, and simple linear regression. Based on the results of the study, the results of the linear regression test showed that there was a positive and significant relationship between financial technology and financial inclusion. Hypothesis test results indicate that the financial technology variable has an influence on financial inclusion. Demographic factors of respondents such as productive age and having an undergraduate educational background with business ownership on the SME scale of the culinary business sub-sector in Palembang City already have knowledge of fintech. Respondents at the small business scale are more enthusiastic about increasing their knowledge, confidence, skills in the use of technology (fintech) so that they can increase the use of financial products and services (financial inclusion) according to their needs for both personal and business needs.