<![CDATA[This study aims to analyse the Intention to Use e-wallet in two product categories, banking e-wallets and non-banking e-wallets. The research model adopts an expanded Technology Acceptance Model (TAM) framework by adding Risk Perception as an exogenous variable and Trust and Attitude Toward Using as an intervening variable. The main variables tested included Perceived Ease of Use, Perceived Usefulness, and Risk Perception of Intention to Use e-wallets. The research population is people in Jakarta area who have knowledge about banking and non-banking e-wallet products. The research method uses a quantitative approach with survey techniques and a sample of 100 respondents who will answer the same questionnaire questions for 2 different categories of e-wallet products. Data analysis was carried out with path analysis to test the relationship between variables and compare the differences in influence between banking and non-banking e-wallet groups. This study found that Generation X and Baby Boomer consumers have different interests in using e-wallets. In the banking category e-wallet model, the role of the Perceived Usefulness variable can directly influence the Intention to Use the product. There is also an indirect influence of Risk Perception on Intention to Use through Trust. Meanwhile, in the non-banking e-wallet model, there is only an indirect influence of Perceived Ease of Use, Perceived Usefulness, and Perceived Risk or Risk Perception on Intention to Use through Attitude Toward Using. This study contributes to the extended Technology Acceptance Model by demonstrating that institutional context determines different behavioral mechanisms of technology adoption among older consumers. The findings suggest that technology adoption in digital finance should not be explained using a single universal mechanism because banking and non-banking institutions trigger different psychological processes]]>
