Abstract. This paper is designed to develop an E-Corporate Governance model for Small and Medium Enterprises that uses Fintech financing. The agency problem in the relationship between Fintech Corporation and SMEs is between creditor and debtor. In digital era today, most SMEs have accessed financing though Fintech Corporation. SMEs are included into high risk borrowers group, so in order to reduce moral hazard as well as credit risk E-Corporate Governance is needed. E-Corporate Governance is a system, structure, regulation and mechanism to control and monitor SMEs’ behavior digitally, so moral hazard and credit risk can be reduced and SMEs’ performance can increase.

Keyword: E-Corporate Governance
Small Medium Enterprises
Fintech
Credit risk