Exploring the Fintech Adoption among Indonesian Gen Z: An Analysis using the Theory of Planned Behavior among Digital Literacy Users

One of the most significant financial sector breakthroughs, fintech is expanding quickly thanks in part to the sharing economy, regulations, and information technology. The next use of fintech services is generation Z, but generation z is still not ready to receive fintech services due to free-oriented thinking. And there are also other factors that influence generation z, namely technostress and social influence. To ascertain the impact of social influence and technostress on generation Z's adoption of fintech services, With regard to attitudes, subjective norms, and perceived behavior control, the TPB model is utilized to forecast behavioral intentions, and uses a quantitative approach using simple random sampling and slovin techniques to calculate a large number of samples. There are 13 hypotheses where social influence and technostress have an impact on how people use fintech services, based on the hypothesis has positive and significant effect.