© 2023, the author(s) Published by LP3M-IAI Syarifuddin. This is an open access article under the CC BY 4.0 license| 101 IQTISHODUNA: Jurnal Ekonomi Islam E-ISSN: 2443-0056, P-ISSN: 2252-5661 Accredited Sinta 2 Number 148/M/KPT/2020 Volume 12 Issue 1, April 2023 Journal Page is available at: https://ejournal.iaisyarifuddin.ac.id/index.php/iqtishoduna Can Perceived Usefulness and Online Experiences Affect ShopeePayFintech Usage by Millennial Muslims? Helti Nur Aisyiah 1 , Septi Kurnia Prastiwi 2 , Asep Maulana Rohimat 3* 1,2 Department of Sharia Accounting, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia 3 Department of Sharia Business Management, Faculty of Economics and Business, Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia Article history: Received December 13, 2022 Revised January 16, 2023 Accepted March 27, 2023 Available online on April 1, 2023 ABSTRACT Financial Technology (Fintech) has been embedded in the community, especially to support their economic activities. The fintech usage provides convenience, so that users are increasingly widespread. This study aims to determine the effect of perceived usefulness and online experiences on the fintech usage with trust as a mediating variable. This study used a quantitative approach by distributing questionnaires to 102 millennial Muslims in Solo Raya. Questionnaires filled out by participants were processed using the IBM SPSS Statistics Version 26. The results showed that perceived usefulness had an effect on fintech usage, while online experiences had no effect on fintech usage. Among perceived usefulness, online experiences, and fintage usage, there was trust. However, trust could not mediate between perceived usefulness and online experiences on the fintech usage. This research will contribute to fintech developers in managing their technology by taking into account perceived usefulness, online experiences, and trust factors. Keywords: perceived usefulness, online customer experiences, fintech usage, millennial muslim Paper type: Research paper Please cite this article [Turabian of style 8th edition]: Aisyiah, Helti Nur, Septi Kurnia Prastiwi, and Asep Maulana Rohimat. “Can Perceived Usefulness and Online Experiences Affect ShopeePay Fintech Usage by Millennial Muslims?”. IQTISHODUNA: Jurnal Ekonomi Islam 12, No. 1 (April 1, 2023): 101-120. Accessed April 8, 2023. https://doi.org/10.54471/iqtishoduna.v12i1.2146 *Corresponding author e-mail: helti.nuraisyiah@staff.uinsaid.ac.id Page: 101-120 Abstrak: Teknologi keuangan (fintech) sudah tertanam di masyarakat, terutama untuk mendukung kegiatan ekonomi mereka. Penggunaan fintech memberikan kemudahan, sehingga penggunanya semakin meluas. Penelitian ini bertujuan untuk mengetahui pengaruh manfaat yang dirasakan dan pengalaman online terhadap penggunaan fintech dengan religi sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 102 muslim milenial di Solo Raya. Kuesioner yang diisi peserta diolah menggunakan IBM SPSS Statistics Versi 26. Hasil penelitian menunjukkan bahwa manfaat yang dirasakan berpengaruh terhadap penggunaan fintech, sedangkan pengalaman online tidak berpengaruh terhadap penggunaan fintech. Di antara manfaat yang dirasakan, pengalaman online, dan penggunaan fintech, terdapat religi. Namun, ternyata religi tidak dapat memediasi antara manfaat yang dirasakan dan pengalaman online dalam penggunaan fintech. Penelitian ini akan memberikan kontribusi kepada pengembang fintech dalam mengelola teknologinya dengan mempertimbangkan manfaat yang dirasakan, pengalaman online, dan religi.