This study aims to analyze the intention to use on electronic money for Indonesian users. 97 respondents participated in the survey with online survey. 22 hypotheses were formulated and PLS-SEM was used to estimate and test the hypothesized model. The results show that only 8 hypotheses are supported. Lifestyle compatibility and hedonic motivation have a significant direct effect on the adoption of e-money for Indonesian users. It implies that e-money usage is based on the suitability of the product advantages on a daily habit. The customers’ attitude to use e-money only affect by security and hedonic motivation. Furthermore, their trust in e-money is depended on usefulness and social influence while the perceived usefulness can be enhanced the perceived ease to use and lifestyle compatibility of the product