Transactions that are normally done at banks, now only by using a smartphone can do all the transactions both payments, investments, money lending and transfers This is commonly referred to as financial technologhy. In the Sharia Financial Services Unit itself, every transaction and financing must conducted at the Sharia Financial Services Unit and still uses manual calculations. Thus slowing down the financing process. Using the Waterfall Model research method. This methodology forms a framework for planning and controlling information systems, namely software development processes such as taking specifications of basic process activities, development, validation, and evolution and representing them as separate process phases such as requirements requirements, software design, implementation, testing, and so. The application of sharia accounting to the application of financial technology was successfully implemented using principles in accordance with sharia law and in accordance with the provisions in the Shari'ah Financial Services Unit, namely murababah financing and multijasa financing.