<p><em>The change of the means of payment is growing rapidly. One of the banking products that are the result of the innovation of technology is electronic money. Electronic money which will be discussed this time is server-based, in which some of the literature referred to as the e-wallet. Researchers are interested in assessing related to how the perception of the user's digital wallet through the behavior of interest using a digital wallet which is influenced by five factors, namely the perceived compatibility, perceived usefulness, perceived costs, religiosity, and promotions. This research is expected to increase the level of use of digital wallets in Indonesia. The type of research used is quantitative research. The method used in this research is the SEM-PLS and the data collected through the distribution of questionnaires to the users of the digital wallet in Jakarta with a total of 330 and taken 250 respondents. These findings reveal that the factor that influences consumers to use digital wallets is the perception of compatibility. perceived usefulness, perceived costs, religiosity, and promotion</em></p>