<![CDATA[The rapid growth of MSMEs in Kupang City faces significant challenges, including limited financial literacy, difficulties in accessing capital, and the integration of financial technology (fintech). This study aims to examine the influence of financial literacy and access to capital on the performance of MSMEs, with financial technology as a moderating variable. The research adopts a quantitative approach by collecting data through surveys from a sample of 100 MSME owners in Kupang City. The data is analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS 4 software to test the relationships among the variables. The results are expected to demonstrate that financial literacy and access to capital significantly affect MSME performance, and that financial technology strengthens these relationships. The findings will contribute to the existing literature by providing empirical evidence on the importance of fintech in enhancing MSME growth and will offer policy recommendations for improving financial literacy, capital access, and technology adoption in MSMEs.]]>
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