Coming of the industrial revolution 4.0 has a big impact on human life in the current era, one of which is in the field of technology. Technology at this time has a very big position to support all human activities. In Indonesia, the role of technology is very large, especially in the business industry. The growth of fintech in Indonesia is quite rapid, this is because Indonesia is a very potential market. According to the website katadata.co.id, people spend eight hours of their time surfing the internet. According to the website katadata.co.id also, internet users in 2023 are predicted to reach 150 million users. To deal with a rapidly changing market, a company or organization must have a dynamic nature or be able to adapt the situation to the existing environment. This is what makes fintech grow fast because in general companies that are new or small can be faster in dealing with changes that occur. One example of a market or environmental change that occurred is the pandemic Covid-19 (Coronavirus Disease 2019). Pandemic is a plague that spreads quickly and simultaneously with a wide area. Covid-19 is a virus originating from Wuhan City in China that spread very quickly throughout the world. Even lowering the economies of countries through which the virus. To minimize the risk that companies fintech need to think about and make whatever efforts can be done in a situation like this. With the current situation, the executive at the company fintech must immediately implement new policies on the company.