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Indonesia has experienced a significant increase in internet penetration over the past decade. The implications of increasing internet penetration have an impact on business patterns in various industrial lines. Financial technology (fintech) is proof of the implementation of a financial system by delivering more efficient financial services. Fintech has an important role in financial intermediation and helps the daily lives of almost all people in the world. Fintech has changed the way consumers conduct financial transactions. This study aims to find out what factors underlie behavioral intentions to use sharia fintech in the millennial generation in Tangerang Raya. This study uses the technology acceptance model (TAM) and accommodates a new variable, namely religiosity. The sampling technique used purposive sampling so that a total sample of 237 respondents was obtained online using the Google form. This study …