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The growth of Islamic banking in Indonesia to show positive results, one of which related to finance growth. However, over time, financial technology is needed at this time so that people understand about finance and banking. The aims of this research is to find out which variables are most influential in driving financial inclusion, blockchain and crowdfunding. The analytical method used is Vector Autoregression First Difference (VAR-FD) with innovation accounting in the form of Impulse Response Function (IRF) and Forecasting Error Variance Decomposition (FEVD) from the aggregated data statistics of Shariah banking in Indonesia. The results of this study indicate that The most influential variable on increasing the number of financing accounts in crowfunding is Murabah, The most influential variable in increasing the number of DPK accounts in blokchain is Sukuk. The influence of Murabahah and Sukuk is very large in forming Inclusive growth.