Applying e-money and fintech is expected to benefit significantly from accessing various services. Some problems become obstacles in transactions, such as the availability of an internet network so that digital e-money applications can be operated. In addition, there are threats in the form of fraud and hacking from cyberspace that make users worry that it can harm users. This quantitative descriptive research aims to determine how big institutions' opportunities, challenges, strengths, and constraints are in non-cash transactions with SWOT analysis. The data in the research were obtained through observation, questionnaires, interviews, and documentation. The study results show that Baitul Maal Hidayatullah (BMH) institutions have not optimally utilized digital media through payment channels. The SWOT analysis results show that the opportunity for the BMH institution is 2.88, and the strength is 2.50. So that the institution has the potential to seize existing opportunities by choosing a digital strategy in a medium (growing) state, meaning that the institution is in good condition choosing this step. Even though it has not been felt optimally, success has been marked by BMH income from 2019 of Rp. 648,300,529 and 2021 Rp. 799,775,147 increased by a margin of 8% even during the Covid-19 pandemic crisis.