The emergence of new digital payment technologies has introduced both opportunities and challenges across all industries. This research aims to examine the significant factors that influence the adoption of new e-payment technologies, specifically in smart cities, as in Dubai. A comprehensive theoretical framework based on several previous studies included the following factors; Perceived Usefulness, Perceived Trust, Perceived Personal Innovativeness, Perceived Ease of Use, Perceived Risk, and Generation Cohort. The results of this research confirm that all proposed factors significantly affect the adoption of epayment in Dubai as a case of a smart city; however, the perceived usefulness is not as significant as the other factors. Moreover, comparative analysis across the three generations showed almost similar patterns of adopting e-payment systems.

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