The rapid digital transformation of the global financial landscape has compelled developing economies to accelerate their transition toward cashless societies. In Thailand, the adoption of electronic money (e-Money) has surged, driven by robust infrastructure and changing consumer behaviors. However, while the Technology Acceptance Model (TAM) explains user adoption through perceived usefulness and ease of use, it often overlooks the organizational mechanisms—specifically Management Innovation—that differentiate successful service providers in a saturated market. This research aims to bridge this theoretical gap by analyzing the causal relationships between Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Management Innovation, and Behavioral Intention on the actual Adoption Behavior of e- Money services in Thailand. Employing a mixed-method research design, this study integrates quantitative data from 360 e-Money users analyzed via Structural Equation Modeling (SEM) and qualitative insights from 20 in-depth interviews with key informants selected through intensity sampling. The conceptual framework synthesizes the classic TAM constructs with contemporary management innovation theories to provide a holistic view of digital adoption. Anticipated findings suggest that while technological utility remains fundamental, management innovation—manifested through service customization, process efficiency, and strategic agility—plays a pivotal role in driving user intention and sustaining long-term usage behavior. These insights offer critical strategic implications for both Bank and Non-bank fintech providers striving to enhance competitive advantage in the digital economy.