The article analyzes how financial technology impacts the stability of the financial system in Indonesia. The researchers used a SWOT matrix to study the risks and minimize disruptions caused by Fin Tech. They focused on financial technology companies registered under the Financial Services Authority. The study found that managing financial and technology risks is crucial for keeping the financial system stable. The banking industry needs to innovate to adapt to the changing landscape of financial technology. Financial technology can benefit both banking and non-banking sectors in serving the community effectively.