<![CDATA[This study aims to identify the roles of privacy concerns, financial literacy, incentives, and Perceived Ease of Use (EoU) on e-wallet usage behavior. Using a survey method, this research involved 109 accounting students at a private university in Yogyakarta, selected through purposive sampling. The data were analyzed using multiple linear regression. The results indicate that financial literacy, incentives, and perceived EoU positively affect e-wallet usage behavior. An interesting finding reveals that privacy concerns also have a positive impact on students' digital financial behavior. These concerns triggered a more cautious approach, which ultimately promoted e-wallet usage after users validated the security and benefits through trust. In line with the TPB and APCO Model, this study proves that privacy, literacy, incentives, and technology aspects holistically influence digital financial behavior. Based on these findings, adequate financial education is needed to improve user literacy. Additionally, service providers are expected to continuously improve customer data security and simplify user interfaces to increase trust and digital transactions. Integrating these various aspects provides a broader perspective in analyzing the financial behavior of students in Yogyakarta.]]>
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