Along with the development of an increasingly modern era, all activities seem unable to be separated from the existence of financial technology. New innovations are needed in this digital era so that all human activities become more efficient, safe, fast and convenient, especially in the implementation of economic activities, one of the methods of financial services that is gaining popularity in the current digital era is financial technology (fintech). The technology-based payment system is one of the sectors in the FinTech industry that is very developed and popular among the Indonesian people, especially Generation Z. In Indonesia, financial technology transactions continue to increase from year to year. This increase is entirely due to an increase in the use of financial technology services (fintech) in Indonesia. Services such as OVO, GO-Pay, Dana, and Shoppe-Pay are examples of financial technology in the payment system sector. The factors that become the material of analysis are those that affect the use of financial technology (Fintech) in gen z, which is measured by the variables of Perception of Ease, Perception of Usefulness, Perception of Trust, Perception of Security, and Intention to Use. The number of samples used in this study were 200 respondents. Data collection was carried out using a questionnaire via google form which was then processed using the PLS SEM application.