<![CDATA[The swift progress of financial technology has reshaped everyday activites, especially in financial transactions that are moving toward to electronic platforms. This research investigates to examine how the adoption of e-wallet, digital payment, and digital literacy on reducing paper usage in Denpasar City. Using a quantitative method with purposive sampling, the study surveyed 120 respondents who regularly engage in financial technology. Questionnaire data were analyzed through multiple linear regression. The outcomes show that e-wallet adoption, digital payment, and digital literacy each exert a significant negative influence on paper consumption. This suggests that broader financial technology adoption and stronger digital literacy decrease reliance on printed documents. Moreover, the analysis indicates that 63.4% of the variation in paper usage can be attributed to the three independents variables, underlining the crucial role of digital transformation in promoting environmental sustainability.]]>
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