Micro, small, and medium enterprises (MSMEs) have an important role in the Indonesian economy, especially in Jakarta, in expanding the employment and regional economic productivity, and theses MSMEs, especially in the food and beverage sector currently often face fierce competition due to the advances in digital technology in the business world. Therefore, this study aims to analyze the effect of financial technology and digital marketing on the performance of MSMEs in the food and beverage sector in Jakarta, with digital and financial literacy as moderating variables. The method used is quantitative analysis with structural equation modelling-partial least square (SEM-PLS) approach, and data were collected from 86 MSMEs actors in Jakarta. The result indicate that the adoption of financial technology significantly affects MSME performance, whereas digital marketing does not have significant impact. Additionally, digital and financial literacy do not significantly moderate the relationship between independent variables and MSME performance. These findings suggest that factors, such as, customer loyalty and strategic location of MSMEs may reduce the need for digital marketing, while simple financial technology enables MSMEs to optimize performance without requiring high level of digital and financial literacy. Therefore, adopting financial technology like QRIS can be a crucial solution for MSMEs in enhancing their competitiveness in the digital era.