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This study aims to determine the adoption of SMEs to Financial Services without Outlets (Laku Pandai) and design strategies to increase the adoption power of business actors towards Laku Pandai. The research was conducted at SMEs in the Salatiga area. Number of respondents Number of samples taken in the study amounted to 100 customers and 10 smart behavior agents. Sampling is done in stages using the snow ball method. This sampling method obtained a sample through a rolling process from one respondent to another respondent. The steps in taking a sample are looking for a Laku Pandai agent, through the first Laku Pandai agent then to the next Laku Pandai agent according to information provided by the first agent, looking for a Laku Pandai sample (customer). The data used include primary data and secondary data. Data collection methods include documentation, questionnaires, depth interviews. The analysis technique in this study was to test the validity and reliability of the determinants of the adoption of Laku Pandai, regression analysis, and SWOT analysis. The results show that trust does not make SMEs actors use Laku Pandai, but perceived of easy use, perceived use, consumer awareness, perceived risk, and social influence that affect the adoption of Laku Pandai. This has an impact on policies to formulate a strategy that is carried out by Laku Pandai in improving its performance, namely financing small and micro businesses, creating product innovations through mobile transactions, conducting training for agents and socializing to the public, protecting customers (regulations), cooperation with other broader institutions such as post offices or rural banks.

The Power of Adopting SMEs to Financial Services without Outlets (Laku Pandai) in the Era of the Digital Revolution in Salatiga City