The rapid development of financial technology (FinTech) has driven a significant shift from traditional cash-based systems to digital payments. This study analyzes the factors influencing GoPay user behavior through the lens of the Technology Acceptance Model (TAM), focusing on four primary variables: Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Usage (AT), and Behavioral Intention (BI). While digital wallet adoption is expanding, empirical research explicitly addressing the psychological mechanism of attitude as a mediator among urban digital natives remains fragmented. Using a quantitative approach, data was collected via online questionnaires distributed to 233 Generation Z and Millennial GoPay users in DKI Jakarta. The data was analyzed using Partial Least Squares–Structural Equation Modeling (PLSSEM) via SmartPLS 4.1.0. The findings indicate that both PU and PEOU have a positive and significant impact on AT. Furthermore, PEOU acts as a vital antecedent to PU, while AT fully mediates the relationship between primary TAM predictors and BI. These results suggest that optimizing functional utility and interaction simplicity is crucial to forming a positive user disposition, which ultimately secures long-term digital wallet adoption.

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