<![CDATA[This study examines how sharia financial literacy and trust affect continuance intention to use digital sharia insurance applications among millennials in Medan, Indonesia. A quantitative–explanatory design with a cross-sectional survey was employed (n = 100). Likert-scale instruments for sharia digital literacy, trust, and continuance intention were deemed adequate after item purification; reliability and validity were met (e.g., α_literacy = 0.810), and classical assumptions held (normality, no multicollinearity, no heteroscedasticity). Multiple linear regression (IBM SPSS v25) shows that literacy has the strongest positive effect on continuance (B = 0.329; β = 0.466; t = 9.792; p < 0.001). Trust also exerts a positive, statistically significant effect at the 10% level (t = 1.965), which is salient in sectors that have faced reputational shocks. Jointly, the two variables explain a large share of variance (Adjusted R² = 0.904; F = 70.614; p < 0.001), aligning with TAM/TPB logic: literacy elevates perceived usefulness/ease of use, while trust reduces perceived risk and strengthens perceived behavioral control, thereby reinforcing continuance intention. Managerially, two complementary levers are suggested: (1) weaving task-based literacy into the app (e.g., claim simulations annotated with contract types, contribution/tabarru’ wizards, inline glossaries, and decision-point nudges) to translate declarative knowledge into action; and (2) engineering verifiable process transparency (real-time claim tracking, concise tabarru’ summaries, DSN-MUI compliance badges, and clear privacy notices) to build trust. The study enriches post-adoption evidence in Islamic fintech and offers practical guidance to strengthen retention and inclusion among urban millennials.]]>
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