E-Wallet is an application that facilitates users to make a payment via a mobile device instead of cash. The World’s E-Wallet growth has increased dramatically since 2011. However, Thailand’s E-Wallet growth is slower, less than 0.02% per year. This research aims to determine factors that cause slow E-Wallet growth in Thailand by investigating the factors involved in accepting and using E-Wallet technology. The information obtained from this study can assist E-Wallet providers in Thailand improve the design and marketing plans that fit the behavioural E-Wallet use of Thai. The model engaged in this study is the UTAUT model that focuses on four main factors that have affected behavioural intention and behavioural use of E-Wallet in Thailand. Performance expectancy, effort expectancy, social influence and facilitating condition are major’s variables. Data collection has been conducted by surveying 400 people in metropolitan areas. The results show that behavioural intentions, the mediator variable of the proposed model, are highly affected by performance expectancy and effort expectancy with the regression weights 0.001 and 0.001, respectively. On the other hand, the mediator variable is low affected by social influence and facilitating condition with the regression weights .201 and 0.506. The proposed model yields the regression weight between behavioural use and behavioural intention as 0.001, which means that behavioural intention as a mediator variable affects behavioural use. This study proves that performance expectancy and effort expectancy is highly effective to behavioural intention use of E-wallet. The findings suggested that the government should push all government’s facilities such as Bangkok mass transit, post office, and other services to support the E-wallet payment system. Then, people can be forced to use and gradually understand.

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