The development of financial technology has expanded in recent years. One of their products is electronic money. There are some platforms that play a role with it like Dana, Gopay, OVO, LinkAja, etc. Electronic money or e-money has made a big difference in Indonesia. It has disrupted traditional banking. Additionaly, we don't have to carry cash because we can pay with only scan in our smartphones. However, with the advantages come some disadvantages. This essay will discuss the advantages and disadvantages of using e-money.