Purpose: This study purposes to explore the effects of perceived usefulness (PU) and perceived ease of use (PEOU) on Generation Z (Gen Z) intention to use (ITU) FinTech, emphasizing the mediating role of attitude toward use (ATT) and the moderating effect of behavioral control (BC).

Methods: An explanatory research design with a quantitative approach was employed, targeting Generation Z individuals in Nepal who use digital financial services. Data were obtained using purposive sampling and a structured questionnaire with items adapted from validated scales. The collected information was analyzed using SmartPLS 4 for Structural Equation Modeling (SEM), focusing on direct, mediating, and moderating relationships.

Findings: Results revealed that PU and PEOU meaningfully affect ATT and (ITU) FinTech. ATT meaningfully mediates the connection with both PU and PEOU with ITU. BC positively influences ITU and significantly moderates the connection with PU and ITU, weakening the positive effect when BC is high. However, BC does not meaningfully moderate the PEOU-ITU rapport.

Conclusion: The findings confirm the relevancy of the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) in explaining FinTech adoption among Generation Z. Attitude and behavioral control are crucial components shaping intention.

Implication: For effective FinTech adoption, stakeholders should enhance ease of use, usefulness, and user empowerment, while designing interventions that boost user attitudes and digital confidence.

Originality/Value: This study integrates TAM and TPB to provide a nuanced understanding of FinTech adoption among digital-native users in a developing country context.