Abstract
Payment technology has dominated the fintech sector in Indonesia. Optimizing the use of payment technology requires encouragement in the development of financial literacy. Indonesia still has a low level of financial literacy compared to financial inclusion in Indonesia. The low level of financial literacy will lead to abuse of the use of fintech products and services. This study aims to see the effects of financial literacy on payment technology adoption using the TAM approach in urban cities in Indonesia, Jakarta Raya, Bandung, D.I. Yogyakarta, Semarang and Surabaya. The result demonstrates that financial literacy not an essential factor in adopting payment technology in Indonesia.
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