<![CDATA[This study examines the effect of Access to Finance (AF) and Sustainable Innovative Leadership (SIL) on Financial Sustainable Performance (FSP) through FinTech Adoption (FTA) as a mediating variable, using micro, small, and medium enterprises (SMEs) in the food and beverage sector in Banyumas Regency, Indonesia, as the research setting. Although Access to Finance and innovative leadership are widely regarded as strategic resources that support firm performance, prior studies report inconsistent findings, suggesting that a transformation mechanism is required to explain how these resources are converted into sustained financial outcomes. Addressing this gap, the study positions FinTech Adoption as a bridging mechanism grounded in Dynamic Capabilities Theory, Resource-Based View, Ecological Modernization Theory, and Financial Inclusion Theory. Data were collected from 300 SME owners/managers through a structured questionnaire, of which 200 respondents who had operated their business for at least two years and used FinTech services for at least six months were retained for analysis through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS, including bootstrapping with 5,000 resamples. The results show that Access to Finance and Sustainable Innovative Leadership have no significant direct effect on Financial Sustainable Performance, while both variables significantly and positively affect FinTech Adoption, and FinTech Adoption significantly and positively affects Financial Sustainable Performance. Mediation analysis further confirms that FinTech Adoption fully mediates the effect of both Access to Finance and Sustainable Innovative Leadership on Financial Sustainable Performance. These findings imply that financing and leadership resources translate into sustainable financial performance primarily through active engagement with financial technology rather than through direct pathways.]]>
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