<![CDATA[This study aims to analyze the impact of financial literacy on the adoption of fintech in improving the performance of SMEs in Kendal Regency through the Technology Acceptance Model (TAM). The fundamental issue that is difficult to avoid for MSME actors in Indonesia regarding financial management is the limited understanding of access to financial services, especially from formal financial institutions. This is due to the still low level of financial literacy. MSME actors play a crucial role in national economic development, but their growth is constrained by this lack of financial knowledge. Several previous studies have shown that no research has yet examined the integration of the Technology Acceptance Model (TAM) through the adoption of fintech with the performance of SMEs, including in Indonesia. This research provides an in-depth understanding of the role of financial literacy in enhancing the adoption of fintech and the performance of SMEs. It combines traditional financial literacy with fintech services as a strategy to address financial management constraints faced by SMEs in Kendal Regency. Within the Technology Acceptance Model (TAM), the use of technology integrated with the adoption of the Internet of Things (IoT) can drive company performance, including that of SMEs, due to its usefulness and ease of use. Using a causality approach with the aim of developing predictions and strategies to improve financial literacy in promoting the adoption of fintech and the performance of SMEs in Kendal Regency through the Theory of Acceptance Model. The research data consists of primary data obtained directly from questionnaires distributed via Google Forms. The population of this study includes SMEs in Kendal Regency that are already using fintech, with the sampling technique employing purposive sampling methods. From the five hypotheses proposed, the statistical results indicate that four hypotheses were accepted because they meet the criteria. Meanwhile, one hypothesis was rejected because it did not meet the specified criteria. This research outcome assists local government in designing strategies to enhance financial literacy and fintech service utilization among MSMEs, thus improving sustainable business performance]]>
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