<![CDATA[This study is motivated by the limited number of studies examining the role of e-wallets as a mediator between financial literacy and financial inclusion, particularly among Generation Z in Indonesia. The purpose of this study is to analyze the influence of financial literacy on improving financial inclusion through the use of e-wallets among Generation Z in the city of Cirebon. This associative quantitative research uses primary data collected through an online questionnaire distributed to 150 Generation Z respondents (aged 15–29 years) in Cirebon who have used e-wallet services. Data analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM) indicates that financial literacy has a positive and significant direct effect on financial inclusion, as well as an indirect effect through increased use of e-wallets. These findings demonstrate that e-wallets function as an effective mediating variable, indicating that strengthening financial literacy can encourage the adoption of digital financial services and ultimately expand financial inclusion among the younger generation.]]>
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