The Role of Fintech in Advancing Financial Inclusion and User Experience in Indonesian’s Gen-Z : a Case Study

Technological developments in the economic field known as Fintech make a substantial contribution by providing convenience and offering quality services. Nowadays, one of the popular financial technologies is e-wallet. This research aims to understand the acceptance factors of digital financial services, especially among Generation Z. The theoretical model used is the Theory of Planned Behavior (TPB) model, which integrates the factors of feature usability and accessibility in the Fintech XYZ application. A total of 9 hypotheses are proposed in this study, which will be analyzed using the Structural Equation Model (SEM) method with the SmartPLS application. The required data will be collected through an online questionnaire distributed to university students in West Java categorized as Generation Z. The results of this study indicate that 5 out of 9 hypotheses are accepted and significantly influence the adoption of e-wallet services by Generation Z.