The Collaboration of Financial technology readiness on banks and financial institutions with fin-tech services in Indonesia. These fin-tech service companies are developing various kinds of products, establishing partnerships, and providing convenient services to encourage financial inclusion. The aim of this study is to contribute and to respond how the 4.0 technology Readiness ofdigitization in Financial business issues. The customer preferences, particularly amongst millennials and "digital natives" with regard to convenience and or not convenience due to the speed and cost of financial services are increasingly high demand. This research took time 5 months with a number of millennial respondents who already use day to day Fin-tech transaction in the area of greater Jakarta. The quantitative analysis technique is used to present the findings and discussion. Findings proved that; first the readiness using Fin-tech in the growing emerging digital market of the national economy. Second, Financial technology, related to the internet of things, computing power, mobile technology, and big data, has been proven driver of innovation strategy management in financial technology services. In conclusion, the avail of Fin-tech infrastructure will give Strategic Innovationin managing the opportunities for new business sectors related.