<p>Micro and Small Enterprises have an important role in improving the regional economy and the economy of a country. Today, the ability to manage finances, both individually and in groups, effectively is very important. Financial literacy is a knowledge related to finance that has a goal to achieve prosperity. However, financial literacy in Indonesia is still quite low. There are so many positive impacts that are obtained by implementing financial literacy, such as the ease of digital transactions, the ease of getting access to funding, the ease of financial records, and much more. During the COVID-19 pandemic which has lasted for 2 years, many businesses have experienced difficulties in their operations, eventually some of them were forced to go out of business. In fact, there are many financial technology services that can be utilized by business actors to assist in operations and develop their businesses if they have good financial literacy. Based on the results of a survey conducted to MSEs in Cikeruh Village, it shows that most of them do not know what is meant by financial technology and its use. The survey results also show that they have not used financial technology because of the lack of literacy and education regarding the use of fintech.</p><p> </p><p>Usaha Mikro dan Kecil memiliki peranan penting dalam peningkatan perekonomian daerah maupun perekonomian suatu negara. Saat ini, kemampuan mengelola keuangan, baik secara pribadi maupun kelompok, secara efektif sangatlah penting. Literasi keuangan merupakan suatu pengetahuan terkait keuangan yang mempunyai tujuan guna tercapainya suatu kesejahteraan. namun, literasi keuangan di indonesia masih tergolong cukup rendah. Begitu banyak dampak positif yang didapat dengan mengimplementasikan literasi keuangan, seperti kemudahan dalam transaksi digital, kemudahan mendapatkan akses pendanaan, kemudahan pencatatan keuangan, dan masih banyak lagi. Selama adanya pandemi COVID-19 yang telah berlangsung selama dua tahun, banyak usaha yang mengalami kesulitan dalam operasinya, yang akhirnya beberapa dari mereka terpaksa gulung tikar. Padahal, banyak sekali layanan financial technology yang dapat dimanfaatkan oleh pelaku usaha untuk membantu dalam operasional dan mengembangkan usaha yang mereka miliki apabila mereka memiliki literasi keuangan yang baik. Berdasarkan hasil survey yang dilakukan kepada UMK yang ada di Desa Cikeruh menunjukkan bahwa kebanyakan dari mereka belum mengetahui apa yang dimaksud dengan financial technology dan pemanfaatannya. Hasil survey juga menunjukkan bahwa mereka belum menggunakan financial technology karena kurangnya literasi dan edukasi mengenai penggunaan fintech.</p>