THE EFFECT OF KNOWLEDGE, SECURITY, EASY AND TRUST ON THE BEHAVIOR OF USE OF FINANCIAL TECHNOLOGY (FINTECH) SYSTEM (DURING THE COVID-19 PANDEMIC)

The impact of the increasingly rapid development technology and internet has not only penetrated trading industry, but also Indonesian financial industry. This is indicated by presence (fintech). Financial transactions through fintech include payments, investments, lending money, transfers, plans comparisons products. Digital services or (fintech) are implemented based on legal umbrella. follows issuance Services Authority Regulation (POJK) Number 77/POJK.01/2016, concerning Information Technology-Based Lending Borrowing (LPMUBTI). Indonesia faces a number challenges during covid-19 period, starting with changes in habits, because one transmissions covid payment transactions, giving cash very influential transmission covid, therefore government recommends making payments using other than cash. Therefore, this study aims to determine effect knowledge, security, convenience trust behavior (Fintech) systems, especially online-based payments. multiple linear regression. research was conducted DKI Jakarta area survey method. Researchers used SPSS software test data. results obtained that knowledge had insignificant negative system Fintech security significant positive fintech. KEYWORDS: Technology Usage System, Online-Based Payment Knowledge, Security, Convenience, Trust