<![CDATA[The convergence of digital banking and e-commerce platforms has reshaped Generation Z’s transaction behavior. However, easier access to digital financial services does not automatically result in prudent and sustainable financial service use. This study investigates how consumer behavior, financial literacy, and users’ trust in digital banking services influence sustainable financial inclusion by positioning Shopee-SeaBank adoption as a mediating variable. Employing an explanatory quantitative design, this study involved 183 Generation Z respondents from Malang City and the data were processed through SEM-PLS. The empirical findings reveal that consumer behavior, financial literacy, and trust in digital banking significantly and positively contribute to sustainable financial inclusion as well as Shopee-SeaBank adoption. Shopee-SeaBank adoption also exerts a positive influence on sustainable financial inclusion while serving as a partial mediator in the relationships linking the three antecedent variables to sustainable financial inclusion. The novelty of this study lies in positioning Shopee-SeaBank as an integrated pathway between digital banking and e-commerce, with implications for strengthening digital financial literacy, user trust, and prudent consumption behavior among Generation Z.]]>
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