This article examines the degree of adoption of digital financial services by students at Hassan II University of Casablanca based on the Unified Theory of Technology Acceptance and Use (UTAUT) model. This research focuses on the analysis of key determinants: performance and effort expectations, social influence and support conditions, with the integration of demographic and contextual factors. Our analysis shows that performance expectations have a strong impact on behavioral intent and that support conditions are decisive for usage behavior, especially in the area of formal payments and savings. Nevertheless, behavioral intentions have not materialized significantly into measurable behaviors, demonstrating barriers that hinder adoption. The research highlights the critical role of digital infrastructure, institutional support for access to digital adoption, and financial literacy. The results show that adoption patterns do not vary by gender, while age, experience and voluntary use are influential factors. This study enriches the understanding of digital financial inclusion in developing countries and suggests practical recommendations to bridge the digital divide and ensure equitable access to financial services.