International Journal Of Humanities Education And Social Sciences (IJHESS) E-ISSN: 2808-1765 Volume 3, Number 5, April 2024, Page. 2327 – 2334 Email : editorijhess@gmail.com 2327 https://ijhess.com/index.php/ijhess/ Digital Transformation of Financial Literacy and Inclusion as a Support for Convenience for MSMEs Restu Millaningtyas1) * , Moh. Amin 2), Agus Hermawan 3), Puji Handayati 4) 1,2,3,4) Faculty of Economics and Business, Universitas Negeri Malang, Indonesia *Corresponding Author Email: restumillaningtyas@unisma.ac.id restu.millaningtyas.2204139@students.um.ac.id ; moh.amin2204139@students.um.ac.id ; mohamin_fe@unisma.ac.id Abstract Financial digital transformation provides easy access to financing in terms of financial literacy and inclusion. Digital financial literacy and inclusion is a means of education and ease of life and the future for both personal and business needs that are financially effective and efficient in various aspects including a wider range of transactions, easy to use, time-saving, affordable costs, easy-to-understand tools and maintained security. The purpose of this article is to explain the digital transformation of financial literacy and inclusion, explain the contribution of digital financial literacy to the convenience of MSMEs, explain the contribution of digital inclusion to MSMEs and discuss the advantages, disadvantages and solutions of digitalization of financial literacy and inclusion in its implementation. The method used in the study is RISMA 2020 (Preferred Reporting Items for Systematic review and Meta-Analyses) aimed at increasing the transparency and completeness of reporting systematic review results making it easier for readers to assess the trustworthiness and applicability of review findings. The result of digital transformation is financial access and financial literacy providing convenience through an easy-to-use and secure financial service platform for both the general public and business owners in conducting transactions, financing and investment. Digitalization of financial literacy will facilitate financial access, get financial education, and facilitate transactions, but in some countries financial inclusion does not have a significant effect on alleviating MSMEs, if these countries provide policies to financial institutions to increase lending with easy collateral it will enable the success of MSMEs. Keywords: Digital Transformation, Digital Literacy, Financial Inclusion, Msmes INTRODUCTION The development of the digital revolution has brought significant changes in various sectors and industries as well as banking services that have penetrated the conveniences offered to customers, including MSMEs. (Ardianto dkk., 2024)states that explore the role of technology and digitalization in accelerating banking services, to improve operational efficiency, and create a better customer experience. The use of technologies such as artificial intelligence, data analytics, and cloud technology is also in the spotlight in shaping the modern banking landscape. One of the areas that has benefited greatly from this transformation is the micro, small and medium enterprises (MSMEs) sector. MSMEs play an important role in the country's economy, not only as a significant contributor to economic growth but also as a backbone to maintain stability and balance in the national economy (BI, 2020). Bank Indonesia's support in providing financial facilitation through MSME product development includes the development of volatile food production, regional economic development, and entrepreneurship (WUBI). (To Tarti; Asmuni, 2022) The rapid development of technology and the internet is a challenge and driver to continue to innovate and be creative in combining digital technology with customer interaction, providing a form of good service and attention to customers and various services that can facilitate customers, such as Internet Banking, SMS Banking and mobile banking. In this case the bank can cooperate with other cellular operators, so that a SIM card (Mobile Chip Card) has been installed and Global for Mobile Communications (GSM). The aspect of accelerating access is supported by facilitating financial access, market access, knowledge networks, innovation, and