This article discusses the development of FinTech in Indonesia, highlighting its role in enhancing financial inclusion, providing digital banking services, facilitating electronic payments, and enabling peer-to-peer lending business models. Through literature analysis, the article demonstrates that FinTech has significantly improved financial access and interaction, particularly for those in remote areas or without access to traditional financial services. While FinTech offers numerous advantages such as efficiency and ease of transactions, challenges like limited technology access and security risks remain. Adaptive regulation and collaboration with traditional financial institutions are necessary to maximize FinTech's potential in supporting financial inclusion and sustainable economic development in Indonesia. The article also explores the characteristics, benefits, and limitations of FinTech, emphasizing the need for improved financial literacy, regulatory frameworks, and technological infrastructure to fully realize the benefits of FinTech in Indonesia.This article discusses the development of FinTech in Indonesia, highlighting its role in enhancing financial inclusion, providing digital banking services, facilitating electronic payments, and enabling peer-to-peer lending business models. Through literature analysis, the article demonstrates that FinTech has significantly improved financial access and interaction, particularly for those in remote areas or without access to traditional financial services. While FinTech offers numerous advantages such as efficiency and ease of transactions, challenges like limited technology access and security risks remain. Adaptive regulation and collaboration with traditional financial institutions are necessary to maximize FinTech's potential in supporting financial inclusion and sustainable economic development in Indonesia. The article also explores the characteristics, benefits, and limitations of FinTech, emphasizing the need for improved financial literacy, regulatory frameworks, and technological infrastructure to fully realize the benefits of FinTech in Indonesia.