<![CDATA[UMKM often experiences delays in its development, some of the problems that often occur are the difficulty of obtaining financing, being left behind by the pace of technology and the lack of financial literacy. The purpose of this study is to find out whether there is an influence from financial literacy, fintech peer to peer lending and payment gateways on the financial performance of MSMEs in Medan City.This study uses primary data, the primary data in this study were obtained from distributing questionnaires. The total population in this study was 90 thousand business actors. The sampling technique used purposive sampling method. The method used in this research is descriptive quantitative method. This study uses primary data obtained from respondents' answers through interviews and distributing questionnaires. The analytical method in this study uses partial least square structural equation modeling (PLS-SEM) analysis. The results of this study indicate that financial literacy has a positive and significant effect on financial performance, Fintech Peer to Peer Lending has a positive and significant effect on financial performance, and Payment gateway has a positive and significant effect on the financial performance of MSMEs in Medan City implication.]]>
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