This study try to analyze the effect of using Financial Technology (FinTech) "T-Cash" services to financial inclusions with the Technology Acceptance Model (TAM) approach. This study uses quantitative desktiptif approach with Structural Equation Model (SEM) as an analytical tool . The results of the study showed that the construct of ease perceived has significant effect to the perception of usefulness and intention to use behavior, benefit perceptions have no significant effect to intention to use behavior but has a significant effect to actual use. Construct intention to use behavior has no significant effect to actual use, but the actual usage construct has a significant effect to financial inclusion. In addition, only indirect constructs of perceptions of benefits has effect to financial inclusion through actual use, the others none.

Keywords : Financial Technology, TAM, and Financial Inclusion.