Fintech’s business in Indonesia is growing rapidly nowadays, proven by the existence of many Fintech-based startup companies in the last few years. Fintech startup itself is starting to occupy a large part of the Indonesian startup industries. Fintech helps people to access financial products, facilitate transactions and improve their financial literacy easier. The number of the players are recorded around 135-140 companies. 43% of them play in the payment sector, such as mobile payment as well as payment gateway startups. Interestingly, only about 20 foreign firms are participating to invest in Fintech, for both local and foreign startups. Fintech itself has been slowed by government regulations that can be used by naughty individuals and the losses imposed on users are unavoidable. Currently OJK and BI are working together to overcome limited problems that can cause disruption to the financial industry. OJK has long pioneered smart practices (non-office financial services) and has developed financial inclusion which has also been formulated as a facility for registered technicians to conduct joint trials with regulators and to study financial products and appropriate service regulations.