This study will discuss the impact of perceived to use, perceived ease of use, and perceived risk on the intention of Dili residents to use T-Pay as a digital transaction instrument. We analyzed the digital wallet T-Pay which provides consumers with digital payment services via a financial platform. This study employs quantitative methodologies, and the sample size is 100 individuals. We were utilizing SmartPLS software to handle online-distributed questionnaire data. This study demonstrates that the association between moderating impact and intention to use has a positive and statistically significant effect. Additionally, perceived risk has a major impact on intention to use.