PT Jadi Kaya Raya Bersama, which was founded in 2024 in Banyumas , Indonesia, focuses on providing solution recording reliable finance? for Micro , Small and Medium Enterprises (MSMEs) through fintech applications . Although application This own potential big , a number of problem technical hinder its performance , including disruption in WhatsApp Bot API, error authentication users , and the lack of integration with system banking as well as digital wallet . Problems This influence accuracy recording transactions , efficiency operational , and user data security . For identify reason problems and provide the right solution , conduct a system audit with use COBIT framework . The audit results showed that API disruptions are caused by instability network and errors configuration , while problem authentication related with weak login mechanism . Inability application For integrated with service banking and e-money are obstacles comfort users . Therefore that , it is recommended For do API optimization , improving system authentication with authentication two factor (2FA), as well as develop integration with service banking and e-money. Improvements This expected can increase efficiency , safety and quality service PT Jadi Kaya Raya Bersama fintech application , which in the end support growth of MSMEs in Indonesia.