The purpose of this study is to analyze how the influence of Push Factor (X1), Pull Factor (X2), Mooring Factor (X3) has on Customers Switching intention of Conventional Fintech Payment Services to Sharia Fintech Payments, especially culinary MSMEs in Medan City. The population in this study are culinary MSMEs who have used fintech payments with a total sample of 100 culinary MSMEs in Medan City. The research method used in this research is quantitative research which is processed using SPSS 25.0. The analysis technique used is the data validity test and the classical assumption test. The results of the analysis show that there is a significant influence between the push factors variable on customers switching intention in Culinary MSMEs in Medan City with a tcount of 3.001 with a significant level of 0.003 <0.05. The results of the analysis show that there is a significant influence between the pull factors variables on switching intention in Culinary MSMEs in Medan City with a tcount of 1.993 with a significant level of 0.021 <0.05. The results of the analysis show that there is a significant positive effect between the mooring factors variable on switching intention in Culinary MSMEs in Medan City with a tcount of 2.223 with a significant level of 0.029 <0.05. And the results of the F test show that simultaneously (together) there is a significant influence between push factors, pull factors and mooring factors variables on switching intention in Culinary MSMEs in Medan City with an Fcount of 5.773 and a significance probability of 0.001 <0.05.

Switching Intention, Push Factor, Pull Factor, Mooring Factor, Fintech Paymen