<![CDATA[Digital payment development has changed transaction behavior from cash toward technology based payments. QRIS is a digital payment instrument that allows transactions through various payment service providers. Generation Z is closely connected with digital technology and is therefore important in the development of cashless payments. This study aims to analyze the effect of digital financial literacy and perceived ease of use on Generation Z's intention to use QRIS in Cirebon Regency and to interpret the findings from an Islamic perspective. The study employed an associative quantitative approach using a survey. Data were collected through a five point Likert questionnaire from 100 respondents selected using purposive sampling. Multiple linear regression, t test, F test, and coefficient of determination were applied. The results show that digital financial literacy has a positive and significant effect on intention to use QRIS, with a t value of 4.322 and significance of 0.000. Perceived ease of use also has a positive and significant effect, with a t value of 8.668 and significance of 0.000. Simultaneously, both variables significantly affect intention to use QRIS, with an F value of 1324.160 and significance of 0.000. The R Square value of 0.965 indicates that 96.5 percent of the variation in intention to use QRIS is explained by the two variables. Perceived ease of use is the more dominant variable. From an Islamic perspective, QRIS may be used when transactions involve halal objects and uphold transparency, fairness, and avoidance of riba, gharar, and maysir]]>
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