This paper proposes an improved technology acceptance model (TAM) that incorporates government support and perceived risk as determinants of trust, also the influence of perceived ease of use and perceived usefulness on attitudes to investigate how Gen Z users’, specifically the undergraduate students of Economics and Business Faculty of Mulawarman University adopt DANA Fintech services. Researchers designed a questionnaire, given directly to the respondents who either use or have used DANA Fintech services via Google Form, and obtained 200 eligible responses. Researchers analysed the data with SmartPLS software and Structural Equation Model (SEM) approach to test the hypotheses, including the relationships of all latent variables. The results reveal that users’ trust in Fintech services has insignificant influence on users’ attitudes for adoption. In addition, perceived usefulness significantly affects users’ attitudes toward the adoption, while perceived ease of use does not. In conclusion, while trust is commonly recognized as a crucial element in the uptake of financial services, it was not identified as a statistically significant determinant of users' attitudes towards the adoption of DANA Fintech services among Gen Z consumers in this study.