Information technology (IT) is widely recognized as an important resource for increasing the productivity of a country's economy. New technological innovations in business transactions have a huge impact on current business activities. Electronic Wallet (E-Wallet) is one of the technological innovations that is currently developing. E-wallet is a software that uses electronic devices such as personal computers or smartphones to make transactions online. Along with the development of e-wallet in Indonesia, this study aims to find out the e-wallet adoption model to analyze the decisions of SMEs using e-wallet. To analyze an organization about the adoption of a technology, the adoption of suitable theories is the Technology-Organization-Environment (TOE) and Diffusion of Innovations (DOI). The proposed research model was developed by extending the TOE and DOI by adding the Technology acceptance model (TAM) and guanxi theories. The variables that will be used to analyze the determinant factors of e-wallet adoption in Small and Medium Enterprises (SME) in Indonesia are: perceived compatibility, perceived security, perceived cost, perceived benefits, firm's financial resources, perceived complexity, employee IT Knowledge, SME IT infrastructure, top management support, culture, competitive pressure, customer pressure, government support, perceived usefulness, perceived ease of use and knowledge sharing. The result of this study would be useful to understand about the adoption of E-Wallet in Small and Medium Enterprises (SME) Indonesia.
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