International Journal of Research and Review DOI: https://doi.org/10.52403/ijrr.20210608 Vol.8; Issue: 6; June 2021 Website: www.ijrrjournal.com Research Paper E-ISSN: 2349-9788; P-ISSN: 2454-2237 International Journal of Research and Review (ijrrjournal.com) 45 Vol.8; Issue: 6; June 2021 Analysis of Factors Influencing Consumers in Using the E-Wallet Application Syafira Salzabella 1 , Ujang Sumarwan 1 , Lilik Noor Yuliati 1 1 IPB University, School of Business, Jl. Raya Pajajaran Bogor, Indonesia Corresponding Author: Syafira Salzabella ABSTRACT The development of electronic money in Indonesia is quite rapid, this is proven to increase the volume of electronic money transactions in 2020 estimated to reach 3.7 billion with the number of electronic money in circulation of 51 electronic money. This research uses TAM which is a model that identifies the acceptance and use of technology for consumers, in this case the e-wallet application. The variables in this study include perceived ease of use, perceived usefulness, advertisements, cashback promos, product innovation and intention to use. This research aims to: 1) analyze demographics, perceived ease of use, perceived usefulness, advertisements, cashback promos, product innovation and the intention to use the e-wallet application services;2) analyze the factors affecting consumers in using the e-wallet application; 3) formulate managerial implications that can be implemented by service providers to increase the use of e-wallet applications. The study was conducted from August 2020 to March 2021. The number of samples used in this study was 407 respondents. Data analysis used descriptive statistics and SEM (Structural Equation Model) with SmartPLS software. The results showed that creating user friendly features to attract new users and retain old users; maintaining the quality of transaction services in terms of speed, convenience and practicality; improving service access when topping up and transferring balances to other users; service providers need to educate and socialize about e-wallets by utilizing cashback promos; improve security systems to safeguard users' personal data; there is a need for a legal protection for application users; and increasing the number of merchants on e-wallet applications. Keywords: intention to use, behavioral intention, e-wallet, TAM, payment method. INTRODUCTION The Internet is one of the factors that causes the development of information technology. Internet users in Indonesia are projected to grow by 149.9 million users in 2023 or grow by 13.3% from 2017 (Statistics 2019). One of the activities performed by internet users is shopping in e-commerce by making payments online. As many as 96% of internet users use to shop in e-commerce and make online payments with mobile phones as much as 79% (We Are Social 2019). It shows that the internet and information technology cause changes in activities and needs of life so that the current direction of business is largely adjusted to these developments. Non-cash payments are now widely used by the public to make transactions in various types of debit cards and credit cards, but electronic money. The use of electronic money has increasingly gained a boost from Bank Indonesia regarding interbank cooperation and transportation operators in 2014. Electronic money itself is divided into two kinds, namely chip-based electronic money and server-based electronic money. Server-based electronic money products are commonly known as e- wallets. The working system of e-wallet is in the form of withholding balance in the user's account (Trihasta &Fajaryanti 2008).