<![CDATA[This study examines the effect of lifestyle and transaction convenience on digital wallet application usage among Generation Z in Cirebon City, both partially and simultaneously. It is motivated by the rapid growth of digital wallet adoption in Indonesia, despite the relatively low aplikasi dompet digital ownership rate in Cirebon City. Using a quantitative associative approach, this study involved 100 Generation Z digital wallet users in Cirebon City as respondents, selected through purposive sampling, with the sample size determined using the Slovin formula. Data were collected via a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS. The results indicate that lifestyle (t = 6.495; sig. = 0.000) and transaction convenience (t = 2.518; sig. = 0.013) each have a positive and significant effect on digital wallet application usage. Simultaneously, both variables significantly influence usage (F = 332.461; sig. = 0.000), accounting for 87.3% of the variance (R² = 0.873), while the remaining 12.7% is explained by other factors beyond this study. Keywords: Lifestyle, Transaction Convenience, Digital Wallet Application Usage, Generation Z, Cirebon City.]]>
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