<![CDATA[The rapid growth of digital financial technology in Indonesia has accelerated the adoption of electronic wallets, including Sharia-compliant platforms such as LinkAja Syariah. Despite increasing interest in Islamic fintech, limited empirical studies examine how technological acceptance factors interact with religiously grounded brand legitimacy in influencing Generation Z’s adoption behavior. This study aims to analyze the determinants of Generation Z’s intention to use LinkAja Syariah in Central Jakarta by employing an extended Technology Acceptance Model (TAM) that integrates service features, perceived ease of use, perceived security and privacy, perceived usefulness, and brand image. A quantitative survey was conducted among 100 Generation Z respondents, and the data were analyzed using multiple linear regression to test both simultaneous and partial effects. The findings reveal that collectively all independent variables significantly influence intention to use. Partially, perceived ease of use, perceived usefulness, and brand image demonstrate significant positive effects, while service features and security show no significant direct effect. Perceived usefulness emerges as the most dominant predictor. The study contributes to the extension of TAM within the context of Sharia fintech by incorporating brand image and security dimensions and provides practical implications for Islamic digital wallet providers to prioritize functional benefits, user-friendly design, and strong Sharia-based brand positioning to enhance adoption among digital-native users.]]>
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