Study this aim for test and analyze reformer perception benefit , perception convenience , perception risk and innovation technology to minant the use of population e-money in this study, namely e-money users . The type of research used is study explanatory research , with approach quantitative. Technique taking sample which used that is proportional random sampling , with a sample of 115 e-money . Source of data obtained from data primary with spread I'm e -sioner and data secondary with document files organization and References written as reference. Study this use analysis track ( Path analysis ) with help SPSS software 26.0 for analyze data. The results of this study indicate the effect of perception benefit , perception convenience , perception risk and innovation technology to minant the use of e-money in Bandar Lampung City.