NONE 20260430082625821 wseas/wseas content-registration-form+ja@crossref.org content-registration-form WSEAS TRANSACTIONS ON SYSTEMS 1109-2777 2224-2678 Sariani Sariani Department of Management, Faculty of Economics and Business, Universitas Hasanuddin, INDONESIA Asty Almaida Department of Management, Faculty of Economics and Business, Universitas Hasanuddin, INDONESIA Abdul Rahman Kadir Department of Management, Faculty of Economics and Business, Universitas Hasanuddin, INDONESIA The purpose of this research is to determine whether Indonesian millennials' experiences and their lifestyle regarding FinTech influences the acceptance of QRIS. This study applies the UTAUT-3 model to examine how the moderating variables may affect millennials' behavioral intentions and use behaviors toward QRIS. Quantitative methods are employed in this study; 200 samples of millennials in Makassar, South Sulawesi, Indonesia, were collected and analyzed using SEM-PLS. The findings show that performance expectancy, effort expectancy, social influence, hedonic motivation, price value, and technology readiness significantly affect behavioral intention (p < 0.05). Similarly, facilitating conditions, habit, technology readiness, and security and privacy significantly affect use behavior (p < 0.05). However, habit, regulation and policy, and security and privacy did not significantly impact behavioral intention (p ≥ 0.05). 04 29 2026 04 29 2026 267 21 https://creativecommons.org/licenses/by/4.0/deed.en_US 10.37394/23202.2026.25.21 https://wseas.com/journals/systems/2026/a425107-3269.pdf N. Butarbutar, D. Lie, C. Bagenda, E. Hendrayani, and A. Sudirman, “Analysis of the effect of performance expectancy, effort expectancy, and lifestyle compatibility on behavioral intention QRIS in Indonesia,” Int. J. Sci. Res. 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