At this time various new innovations have emerged, especially in the financial sector called Financial Technology (Fintech). Go-Pay is a digital financial transaction service system from Go-Jek system. This study aims to examine and analyze the influences of self-efficacy, trust, enjoyment, and lifestyle on the intention to use financial transaction services on Go-Pay. The research design was non-experimental and type of research was an explanatory research or a hypothesis testing was employed to explains the influence of independent variables on the dependent variables. Data collected through a questionnaire involving 298 respondents using Go-Pay in Makassar City. The Collected data were analyzed using exploratory factor analysis and structural equation modeling. The result of this study indicated that self-efficacy, trust, enjoyment and lifestyle have significant influence on the intention to use financial transaction services on Go-Pay. These findings propose that behavioral factors such as selfefficacy,trust, enjoyment, and lifestyle users can provide a useful understanding and framework to Go-Pay financial service providers regarding aspects of services that must be improved in implementing digital financial transaction services, in order to be able to encourage and increase the intensity of e-payment usage.

Keywords : Self-Efficacy, Trust, Enjoyment, Lifestyle, Intention To Use, Go-Pay, Financial Technologi.