Objectives: This study aims at examining the factors that trigger intention of MSMEs owners to use fintech. The theories used in this are Theory Planned Behavior (TPB) and Trying (TT). compares abilities TT TPB predicting investors’ intentions Indonesia when they fintech services.Methodology: population MSME spread across Jakarta, Jogjakarta, Semarang, Surabaya. sample size was 427 respondents....