The aim of this research is to examine the role of Metaverse and FinTech Adoption, and User Experience in improving digital financing. The statistical population of this study consists of university professors from Tehran in financial management fields، senior managers، heads of departments and branches، as well as experts from Bank Tejarat، Export، Mellat، and Parsian. It also includes CEOs and experts of Fintech and PSP companies، legal auditors actively involved in financial and banking matters، and members of the accounting community in the year 2025. A sample of 384 individuals was selected using Cochran's formula. This research is categorized as applied research and is classified as a descriptive survey study. For data collection، the library method was used، and the primary data collection tool was a questionnaire. The software used in this study is Smart PLS. The results indicated that there is a positive relationship between the acceptance of financial technology and digital financing. Additionally، there is a positive relationship between the Metaverse and digital financing. Furthermore، there is a positive relationship between user experience and digital financing. The organizational culture impacts the relationship between the acceptance of financial technology and digital financing. It also influences the relationship between the Metaverse and digital financing. However، organizational culture does not impact the relationship between user experience and digital financing.

Keywords: Metaverse; FinTech; Digital Financing