<![CDATA[This quantitative study aims to analyze the factors influencing Generation Z's motivation in using the BYOND by BSI application among students of the Islamic Financial Accounting Study Program at Politeknik Negeri Lhokseumawe. The independent variables examined include Islamic financial literacy, digital literacy, security, and ease of use, with Generation Z's motivation as the dependent variable. Primary data were collected through questionnaires. The sampling technique used was purposive sampling with the criteria of students from the Islamic Financial Accounting Study Program who knew or used the BYOND by BSI application, resulting in a total sample of 103 respondents. The data analysis method employed was multiple linear regression analysis. The partial results showed that Islamic financial literacy had a positive and significant effect on Generation Z's motivation. Digital literacy had a positive and significant effect on Generation Z's motivation. Security had a positive and significant effect on Generation Z's motivation. Ease of use did not have a significant effect on Generation Z's motivation. Simultaneously, the four independent variables had a significant effect on Generation Z's motivation. The Adjusted R Square value of 0.796 indicates that Islamic financial literacy, digital literacy, security, and ease of use were able to explain 79% of the variation in Generation Z's motivation, while the remaining 21% was influenced by other factors outside the research model.]]>
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