<![CDATA[This study investigates the determinants influencing the adoption of the DANA digital wallet in Sumbang District, Central Java, Indonesia. As financial technology (FinTech) continues to transform financial services, understanding behavioral drivers in rural contexts is critical for sustainable digital inclusion. Unlike metropolitan areas where e-wallets are embedded into daily lifestyles, rural regions present unique challenges and opportunities. This research employs a quantitative approach with 100 Generation Z respondents, analyzed using multiple linear regression. Four independent variables, namely perceived usefulness, perceived security, promotional incentives, and financial literacy, were tested against the dependent variable, intention to use. Results reveal that all predictors exert a positive and statistically significant influence (Fstat=44.257, p<0.05), with perceived security emerging as the strongest determinant. Theoretically, this study integrates the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). TAM explains how usefulness and security perceptions drive adoption, while TPB contextualizes the role of financial literacy and promotion as behavioral control and subjective norms. By situating the research in Sumbang District, the study contributes to the literature by offering insights into non-metropolitan adoption patterns, emphasizing that Generation Z’s engagement with fintech is not merely passive but shaped by reasoned behavioral drivers. Practically, the findings suggest that fintech providers should strengthen transparent security protocols, enhance user-friendly interfaces, and invest in targeted promotions and financial education programs. This holistic approach can accelerate adoption, reduce barriers to entry, and foster responsible digital financial inclusion. Future research should expand to other rural contexts and incorporate additional constructs such as trust and user experience to refine predictive models.]]>
