The development of technology has now been felt in almost various sectors, one of which is the financial sector. Financial Technology (Fintech) is an innovation in the financial sector that can accelerate the process of financial services, one of which is digital payments. OVO is a type of digital payment with the widest acceptance in Indonesia because it has several partnerships, one of which is with MSMEs. Even so, the use of digital payments is still not massive among MSMEs. The reasons are, among others, the unsupported infrastructure and the perceived usefulness of the digital payment. This study aims to determine the factors that can affect the use of technology using a modified Technology Acceptance Model (TAM) by adding 2 external variables (system quality and culture). The method used is a quantitative method. The research data used primary data obtained directly from the respondents by distributing questionnaires. The data in this study will be analyzed using the PLS-based SEM method using the SmartPLS statistical tool. The results of this study show that as many as seven hypotheses can have a positive and significant effect on interest in using Fintech OVO, while there is one hypothesis that has a positive but not significant effect on interest in using Fintech OVO, namely the effect of perceived easy of use on perceived usefulness.

The development of technology and information currently has a lot of impact on organizations and government, therefore an analysis  is needed to  find  out  what  needs  to  be  addressed  and  maximized  again  so  that  technological developments can be followed, especially by the Temesi village office, Gianyar. In carrying out village operations, the Temesi Gianyar village office uses a website provided by the government, where the site can manage village population data. However, there are still drawbacks to the use of the website, such as errors in websites and databases that frequently bug. This can occur due to the lack of stability of the internet andinfrastructure as well as the lack of potential ICT human resources at the Temesi village office. The method used in this research is descriptive qualitative with the subject  of the Temesi village office using the COBIT 5 framework as a process model measurement tool. Data collection was carried out by  interview, observation  and  literature  study  methods.  The  purpose of this  study  is  to  analyze  the  feasibility  of implementing  information  technology  governance  in  the Temesi Gianyar  village  office  with  the  conclusion  that  it  can provide recommendations regarding references in the application and development of ICT at the villageoffice.