Annisa Atahaya Putri Lubis et al. 2026. Factors Influencing The Decision To Adopt Sharia Fintech In Improving Sharia Financial Inclusion Among Gen Z. JHSS (Journal of Humanities and Social Studies). 10, 1 (Feb. 2026), 297–307. DOI:https://doi.org/10.33751/jhss.v10i1.70.