In 1998, Indonesia experienced a financial crisis whose origins were disrupted by the performance of the banking sector. At that time, it was very difficult to restore the economy because it required very high costs and it was difficult to restore public confidence in the financial sector. Therefore, amidst the widespread use of P2P Lending instead of using credit at conventional banks, it is important to carry out this research in order to prevent the recurrence of financial crisis experiences such as those in 1998. This research uses secondary data covering the period January 2018-December 2022. Data was collected from Financial Services Authority (OJK). The analysis method used is multiple linear regression with Stata 14.0 tools. The research results found that it indirectly shows that the increasing popularity of fintech, especially P2P Lending, will reduce the number of conventional bank debtors. On the contrary, the higher the Payment Success Rate (TKB) and Loan Default Rate (TWP) will actually increase debtors at conventional banks. It is recommended for the government to supervise the public in making online loans or P2P lending so that the number of debtors' requests from conventional banks is not disturbed.