Suhud U.Budak T.Benk S.2024-08-042024-08-0420201923-9335https://doi.org/10.5267/j.msl.2019.9.019https://hdl.handle.net/11616/91835This study aimed to measure the impact of attitude, social influence, and perceived usefulness on e-money adoption intention. Data were collected using an online instrument involving 264 participants in Indonesia, and 287 participants in Turkey. Data were analyzed using exploratory and confirmatory factor analysis, and structural equation modeling and there were five hypotheses to be tested. The results of the study indicated a significant impact of attitude on adoption indention. Also, a significant influence of perceived usefulness on attitude and adoption intention was also detected. Moreover, a significant effect of social influence on perceived usefulness and adoption intention was observed. However, there were different results when the calculation focused on participants in each country. This study discussed recommendations for practitioners and future studies. © 2020 by the authors; licensee Growing Science, Canada. This is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC-BY) license (http://creativecommons.org/licenses/by/4.0/).eninfo:eu-repo/semantics/openAccessAdoption intentionBehavioural financeE-moneyPerceived usefulnessSocial influenceArticle10360961610.5267/j.msl.2019.9.0192-s2.0-85073021779N/A