ABSTRACT
The purpose of this study is to determine the relationship between financial literacy, financial technology and financial inclusion in the business performance of SMEs in Malang Raya, Indonesia. The analysis in this study used bibliometrics and SEM. Where bibliometrics is used to find relationships that will later become a novelty. So fintech was found as a novelty between financial literacy and financial inclusion. The second analysis examines the influence between financial literacy, financial technology and, financial inclusion on SME business performance. The results of this study using SEM-PLS show that financial literacy has a positive and significant effect on SME business performance. Financial technology does not affect SME business performance and lastly, financial inclusion has a positive and significant effect on SME business performance.
