Abstract: Despite the strong and consistent increase in the use of
electronic payment methods worldwide, the diffusion of electronic
wallets is still far from widespread. Analysis of the failure of
electronic wallet uptake has either focused on technical issues or
chosen to analyse a specific scheme. This article proposes a joint
approach to analysing key factors affecting the adoption of e-wallets
by using the ‘Technology Acceptance Model” [1] which we have
expanded to take into account the cost of using e-wallets. We use this
model to analyse Monéo, the only French electronic wallet still in
operation.