Financial Technology (FinTech) is an innovation in financial services that uses digital technology to provide easier, more efficient, and affordable access. This article discusses the development of FinTech in Indonesia, including its role in increasing financial inclusion, providing digital banking services, electronic payments, and peer-to-peer lending business models. Through literature analysis, it shows that FinTech has driven significant changes in financial access and interaction, especially for those in remote areas or without access to traditional financial services. Although FinTech offers advantages like efficiency and ease of transactions, challenges such as limited access to technology and security risks remain. Adaptive regulation and collaboration with traditional financial institutions are needed to maximize FinTech's potential in supporting financial inclusion and sustainable economic development in Indonesia. Keywords: FinTech, Financial Inclusion, Digital Banking, Electronic Payments, Peer-to-Peer Lending, Financial Technology, Financial Regulation, Financial Service Innovation, Transaction Efficiency, Cybersecurity.Financial Technology (FinTech) is an innovation in financial services that uses digital technology to provide easier, more efficient, and affordable access. This article discusses the development of FinTech in Indonesia, including its role in increasing financial inclusion, providing digital banking services, electronic payments, and peer-to-peer lending business models. Through literature analysis, it shows that FinTech has driven significant changes in financial access and interaction, especially for those in remote areas or without access to traditional financial services. Although FinTech offers advantages like efficiency and ease of transactions, challenges such as limited access to technology and security risks remain. Adaptive regulation and collaboration with traditional financial institutions are needed to maximize FinTech's potential in supporting financial inclusion and sustainable economic development in Indonesia. Keywords: FinTech, Financial Inclusion, Digital Banking, Electronic Payments, Peer-to-Peer Lending, Financial Technology, Financial Regulation, Financial Service Innovation, Transaction Efficiency, Cybersecurity.