<p>The rapid development in the information and technology sector in Indonesia brought us to the new era of the digital world. The digitalization of financial products and services in Indonesia is a significant phenomenon for the last few years. Financial technology is about convenience and cost minimization for the user to make some transactions and other things related to money and finance. There is some concern about the importance of digital finance literacy because there is some gap between literacy and the inclusion of Financial Technology in Indonesia. Digital finance literacy will give information and knowledge about digital financial products and services, awareness of digital financial risks, knowledge about digital financial risk control, and knowledge about consumer rights and redress procedures. This paper aimed to fill the gap between financial literacy and fin-tech inclusion in Indonesia by analyzing previous research to find the factors of financial literacy that can optimize the utilization of financial technology</p>