<![CDATA[Abstract; The development of digital technology has driven the increasing use of digital wallet applications as a non-cash payment instrument in Indonesia. However, the decision to use digital wallets among Muslim students is not only influenced by technological factors, but also by aspects of Islamic financial literacy and perceptions of Islamic compliance. This study aims to analyze the influence of Islamic financial literacy, ease of transactions, and perceptions of Islamic compliance on the decision to use digital wallet applications among Muslim students in Palembang City. The study used a quantitative approach with a survey method of 126 respondents selected using a purposive sampling technique. Data were collected through questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the help of SmartPLS 3.0. The results showed that Islamic financial literacy and perceptions of Islamic compliance did not significantly influence the decision to use digital wallet applications. Conversely, ease of transactions had a positive and significant effect on the decision to use digital wallet applications. The Adjusted R² value of 0.578 indicates that the three independent variables are able to explain 57.8% of the variation in the decision to use digital wallet applications, while the remainder is influenced by other factors outside the research model. These findings indicate that Muslim students' decisions to use digital wallets are more influenced by ease of transactions than by aspects of Islamic financial literacy or perceptions of Islamic compliance.Keywords: Islamic financial literacy, ease of transactions, perception of Islamic compliance, usage decisions, digital wallets.]]>
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