| Summary: | The purpose of this study is to obtain empirical evidence regarding the factors that influence the actual use of fintech payments, especially among students on the island of Bali as the millennial generation. The type of data used in this study is primary data, which is collected through a questionnaire using an alternative 5 Likert scale. Respondents in this study were taken using the purposive sampling method. The data analysis technique in this study used the Partial Least Square (PLS) approach. The results of the analysis show that the perceived benefits felt by users of the fintech payment system, economic benefits, convenience, have a positive effect on actual use of the fintech system. Meanwhile, transaction speed has no effect on the actual use of the fintech payment system. The risks felt by users of the fintech payment system, financial risks, security risks, operational risks negatively affect the actual use of fintech payments.
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