<![CDATA[ABSTRACT Purpose– This research aims to identify any variables that can influence e-money user behavior mediated by behavioral intentions using the UTAUT model Design/methodology–. This research uses a quantitative-descriptive approach. Sampling used a purposive sampling method to achieve a sample size based on the Slovin formula. Data was collected by distributing a questionnaire in the form of a Google Form. The data analysis technique uses the Partial Least Squares-Structural Equation Model (PLSSEM) with the SmartPLS3 application.Findings - The results of hypothesis testing show that performance expectations do not influence behavioral intentions. Effort expectancy, social influence, and facilitating conditions influence the intention to use e-money. Facilitating conditions influence user behavior. Behavioral intentions are able to mediate the influence of performance expectations, business expectations, and social influences, as well as facilitate conditions on e-money user behavior. ]]>
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