Digital wallet in Indonesia exists to facilitate payment transactions without using cash. Popular brands of digital wallet products in Indonesia are Go-pay, Ovo, Dana, LinkAja. This study aims to identify the influencing factors of user intentions to use and recommend digital wallets based on a multi-generation preference perspective. The existing model is modified and adapted to the characteristics of users in Indonesia, then the model is validated by Expert Judgment. The data obtained from the respondents by filling in an online form at Google form, in which the link was spreaded out through social media such as WhatsApp and Instagram. The total of sample of this study is 205 respondents. This study is using the Partial Least Square (PLS) method using SMARTPLS 3 software, the results of data analysis show in Generation X, Perceived ease of use, Perceived Usefulness, Compatibility, and Trust positively influence Intention to Use, and the factors that influence intention to use in generation Y are Perceived Usefulness, Perceived Behavioral Control, and Trust. Factors that influence intention to use in generation Z are Perceived Ease of Use, and Perceived Usefulness. eventually, based on the data of each generation, the Intention to use indirectly influence Actual Use, Perceived Satisfaction, AND Recommendation to use.