<![CDATA[Purpose – This study aims to examine the effect of financial technology (FinTech) usage on financial inclusion, with financial literacy as a mediating variable and technology access as a moderating variable. The research seeks to explain the mechanisms through which digital financial technology contributes to inclusive financial access among micro-enterprises. Design/Methodology/Approach – This study employs an explanatory quantitative research design. The research was conducted among micro-enterprise managers in the food and beverage sector in Banyuwangi. A total of 145 respondents were selected using purposive sampling. Data were collected through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) based on the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. Findings – The findings indicate that FinTech usage has a positive effect on financial inclusion and financial literacy. Financial literacy partially and complementarily mediates the relationship between FinTech usage and financial inclusion. However, technology access negatively moderates the relationship, suggesting that greater access does not always strengthen the impact of FinTech usage due to potential risks and challenges associated with technology adoption. Originality/Value – This study contributes to financial inclusion and technology adoption literature by identifying the complementary mediating role of financial literacy and the unexpected negative moderating effect of technology access within the micro-enterprise context. The findings provide practical implications for policymakers to balance FinTech expansion with financial literacy development and responsible technology utilization to achieve sustainable financial inclusion.]]>
