Abstract: This study aims to determine how the effect of financial technology, company characteristics and owner characteristics on fonancial decisions. The population of this research is the MSMEs in Bali Province with a total of 481,853 units. The number of samples in this study were 100 respondents who were determined based on the Slovin formula with a critical value of 10 percent. The sampling technique used was purposive sampling method based on MSMEs that know about Fintech lending, namely online lending and borrowing services.