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The purpose of this study is to analyze the relation of factors which influence emoney adoption among millennials in Indonesia especially in Padang, West Sumatra. A model is proposed with five factors: performance expectancy, effort expectancy, social influence, facilitating conditions (from UTAUT model) which impact intention to use an emoney. The sample is consisted of 179 millennials e-money users accessed through a survey in Padang. Results of the study show that all independent variables (performance expectancy, effort expectancy, social influence and facilitating conditions) have direct significant effects on intention to use e-money among millennials in Padang.

Understanding Millenials’ Intention to Use E-Money: A Study of Students’ University in Padang