The presence of Fintech as an innovative and disruptive financial service can improve the efficiency and scope of organization business process through the application of technology. In determining the effectiveness of Fintech adoption, each organization will measure by considering both from the perspectives of management and user in the organization. This proposed study aims to examine the effect of FinTech adoption in organization both in Malaysia and Indonesia. It attempts to measure the variable of performance expectancy, effort expectancy, social influence, consumers’ trust and government polity into the effect of FinTech adoption with the national culture considered as the
moderating variable. This study adopts quantitative method through online survey of some both managerial and staff level employee in organization located in the Malaysia and Indonesia. Data will be analyzed by using multiple regression method. This proposed study’s findings could contribute by enhancing the organization the importance of FinTech adoption to increase business performances. Besides, Fintech companies are expected to develop into more secure services and design better products to attract more users to become a cashless society both in Malaysia and Indonesia.