Abstract
E-money systems have revolutionized global business transactions through digital payment methods. This quantitative
correlational study aimed to assess the awareness and acceptance of e-money among individuals in Balayan, Batangas.
Employing quota and purposive sampling, 100 participants aged 21 to 70 completed a survey questionnaire. Statistical
analysis revealed that consumers were aware of e-money but lacked comprehensive knowledge. They acknowledged
the convenience of e-money for online shopping and expense tracking. Age significantly influenced acceptance, while
gender did not exhibit a similar effect. Significant differences were observed in awareness and acceptance levels.
Recommendations for improving acceptance include administrator-led campaigns, business incentives, consumer
education, financial institution partnerships, and integration into student curricula. The study underscores the need for
targeted strategies to translate e-money knowledge into practical use. Future research should explore adoption trends
over time, barriers, and the impact of regulations on e-money utilization.