<p><em>Industry 4.0 or better known as the industry which is closely related to technology causes very drastic changes in all aspects of life. This study aims to examine and analyze financial literacy, Islamic financial attitudes, personalities towards the behavior of management management, where there is a fintech moderation between financial literacy and financial management behavior in the industrial era</em><em></em></p><p><em>4.0. UMKM Batik is one of the industries affected by the industrial era 4.0. Through this research, 155 respondents were obtained with various kinds of religions, which were then reduced to 130 respondents. The sampling technique in this study was purposive sampling using descriptive analysis methods and moderating regression analysis. The result, from 130 respondents that were sampled indicated that a). Financial literacy has a significant negative effect on financial management behavior, the attitude of Islamic finance has a significant positive</em><em></em></p><br clear="all" /> <em>effect on financial management behavior but personality has a negative and not significant effect on financial management behavior b). Fintech reinforces the influence between financial literacy on financial management behavior.</em>