Ananda Dwiputri Oktavira, 2023. The Impact of Lifestyle, Digital Functional Element, and Familiarity As a Moderating on Digital Financial Service Experience of Gen Z in Samarinda, under Dr. Wirasmi Wardhani, SE., M.Sc., CRP as the supervisor. This research aims to analyze the influence of lifestyle and digital functional elements on the experiences of Gen Z in Samarinda when using digital financial services and also to examine familiarity as a moderator. The sampling method used was a purposive sampling technique. Data sampling was obtained using 108 respondents. The data was collected by using online questionnaire given directly to the respondents via Google Form. The analysis technique in this study used the Partial Least Square (PLS) data analysis method with the help of Smart-PLS 3 software and descriptive statistics analysis. The results of this research reveal that digital functional elements have a positive and significant effect on Gen Z's experience in using digital financial service and the moderating variable familiarity has no significant effect on the entire relationship between variables X to Y.