The growth of digital technologies has changed the way of doing financial transaction for Indonesian. Even the transaction value for financial technology in 2017 is growing 24%, the financial inclusion rate in Indonesia is low with 64% is still unbankable. The aim of the study is to analyse what are the factors of the growing digital technology influencing the customer decision in choosing the financial technology services using customer knowledge as the intervening variable. The growing digital technology is measured using social networking, regulatory services and financial service facilities variables. The sample of this research is Bank Perkreditan Rakyat (BPR) customers located in Central Java areas, considering most of them are categorized as Small Medium Enterprises (SME) customers. All statistical data will be analyzed using Structural Equation Method. The research shown that the customer decision in choosing the financial technology services is strongly influenced by the familiarity, literacy rate and customer knowledge. The customer knowledge is formed by the information shared by their social networking, the formal assurance by the government and also the financial services facilities. The study recommended that there’s a need to educate, promote and give adequate information and in the same time give a regulatory protection in doing the financial technology system to the Indonesian.