<![CDATA[This study examines the impact of Digital Financial Services (DFS), Trust in Fintech (TF), and Perceived Security (PS) on User Satisfaction (US) and Continued Usage Intention (CUI) among GOPAY users, a fintech platform operated by PT Dompet Anak Bangsa. Utilizing Structural Equation Modeling with Partial Least Squares (SEM-PLS), data from 322 GOPAY users in Jabodetabek were analyzed to evaluate the relationships between variables. Findings reveal that DFS and PS significantly influence US (β = 0.541, p = 0.000; β = 0.437, p = 0.001), while TF shows no significant effect (β = 0.018, p = 0.916). US significantly mediates the effect on CUI (β = 0.553, p = 0.000). Directly, PS impacts CUI (β = 0.395, p = 0.000), whereas DFS and TF do not (β = -0.116, p = 0.062; β = 0.131, p = 0.230). DFS indirectly affects CUI through US with a total effect of 0.183. These results highlight US as a key mediator in driving CUI, with DFS and PS as critical factors. PT Dompet Anak Bangsa is recommended to enhance service quality, strengthen security systems, and prioritize user satisfaction as a strategic measure to foster user loyalty within the increasingly competitive fintech market.]]>
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