The influence of perceived usefulness, perceived ease of use, accountability, transparency, trust, and data security on intention to use LinkAja Syariah application among generation Z in Yogyakarta

The presence of Sharia-based Fintech is expected to enhance the initial goal of Fintech's presence to make it easier for people to carry out economic activities and transactions based on Sharia principle. This study aims to determine the influencing factors on intention to use LinkAja Syariah e-wallet. The independent variables of this study are perceived usefulness, perceived ease of use, accountability, transparency, trust, and data security. The sampling techniques is purposive sampling, and the study uses primary data by distributing questionnaires to generation Z in Yogyakarta city, Indonesia as respondents. The data in this study was analysed using SmartPLS Version 4. The statistical results show that the perceived of usefulness and accountability significantly affects the intention to use LinkAja Syariah. Meanwhile, perceived ease of use, transparency, trust, and data security do not significantly affect the intention to use LinkAja Syariah. The findings contribute on establishing the policies that ensure transparency, accountability, and data security, thereby fostering trust. These findings imply that companies must improve features and services that strengthen users' perceptions of the app's benefits and ensure high accountability in every transaction. By paying attention to these two factors, companies can more effectively attract and retain users from Generation Z.