icro, Small, and Medium Enterprises (MSMEs) can face significant challenges,
including financial interruptions, operational hazards, and inadequate financial
management. The government’s efforts to safeguard the sustainability of MSMEs
include implementing priority support programs, providing working capital credit, and
promoting their digitalization. Risk considerations impede the successful adoption
of financial technology (FinTech), presenting obstacles to company continuity. This
study aims to ascertain the impact of financial literacy, FinTech utilization, and literacy
of risk in FinTech on the continuity of MSMEs in Yogyakarta. One hundred twelve
samples of the entrepreneurs in Yogyakarta were acquired using a nonprobability
sampling technique. However, after implementing rigorous data purification methods,
only 100 sample replies were deemed suitable for data processing. The data from the
investigations were examined using multiple linear regression. The study’s findings
suggest that the introduction of FinTech-based partial assessments for financial literacy
and literacy of risk in FinTech significantly affects the ability of small companies
in Yogyakarta to continue their economic operations. Conversely, the utilization of
FinTech has little impact on the uninterrupted operation of MSMEs in Yogyakarta