This 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.

The purpose of the study is to explain the effect of perceived risk and subjective norm to the attitude based on Tri Kaya Parisudha and reuse intentions, attitude to reuse, and role attitude in mediating the effect on perceived risk and norm subjective to reuse intention from the use of e-money in the elderly. Quantitative approach is conducted for this study. The subject is the elderly/senior citizen who uses e-money, with a sample of 150 respondents. Purposive sampling is used as a method of sampling determination with the SEM-PLS technique. The result of this study are attitude based on Tri Kaya Parisudha capable mediate influence perception risk and norm subjective to reuse intention, also this study found the attitudes based on Tri Kaya Parisudha turned out to be able to mediate the effect of risk perception and also the influence of subjective norms on the intention to reuse e-money in the elderly in the city of Denpasar and the elderly who, even though they are elderly, still use e-money to meet their needs.