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This study will look at what makes people want to use electronic payment systems (EPS) and what might make them more likely to use these systems as process innovation in the country. People from towns in Malaysia and Indonesia took part in this study. This poll was taken by 568 people from Malaysia and 259 people from Indonesia. The SPSS 23 programmed was used to look at data from people in Indonesia & Malaysia to find out which country was more likely to use online transfers. Based on this study, more people in Indonesia use online payment ways than in Malaysia. Along with what the results of the study mean, the flaws and possible directions for future research are looked at.