<![CDATA[Islamic fintech growth in Indonesia raises questions about the factors influencing financial inclusion through usefulness, ease of use, and the integration of a sharia compliance framework. This study aims to analyze the effects of perceived usefulness, ease of use, and sharia compliance on financial inclusion in Indonesia. A quantitative method was used, with online questionnaires distributed to 150 purposively selected Islamic fintech users in Indonesia. The data were analyzed using multiple linear regression in SPSS 26, with validity, reliability, and classical assumptions assessed. The study found that perceived usefulness, perceived ease of use, and sharia compliance all have positive and significant effects on financial inclusion in Indonesia. Individually, perceived usefulness shows ? = 0.312 (p < 0.001), ease of use shows ? = 0.276, and sharia compliance shows ? = 0.358. Simultaneously, the variables significantly influence financial inclusion with F = 68.412 and p < 0.001. Adjusted R² equals 0.576, indicating that 57.6 percent of the variance is explained by the predictors in the model. These findings confirm a strong model fit and demonstrate that sharia fintech enhances financial inclusion through ethical digital financial services within an Islamic framework. Perceived usefulness, ease of use, and sharia compliance significantly determine financial inclusion and support Islamic fintech development in the Indonesian context. This study provides implications for regulators, fintech operators, and DSN-MUI for enhancing the development of an inclusive, ethical, and compliant Islamic finance system.]]>
