Based on 2024 digital statistics data, digital technology users in Indonesia are divided into 46.5% women and 53.5% men, this is because most women are reluctant to use technology. Understanding the gender dimension of user behavior is very important in building an inclusive financial ecosystem and achieving SDGs. This study explores gender differences in attitudes towards financial technology with the Unified Theory of Acceptance and Use of Technology (UTAUT) framework using the PLS SEM analysis. Data were collected from 163 women respondents using primary survey data from various demographic groups in Indonesia. The results of the analysis show that women are strongly influenced by self-efficacy. This implies that increasing digital literacy and offering targeted training programs to enhance women’s technological confidence could significantly boost their participation in digital financial services. These findings developed the importance of designing gender-sensitive digital financial literacy programs and inclusive digital platforms that address the unique motivational and contextual factors that influence women’s financial technology behavior.