This research explores the social client perspective in mobile money systems, specifically potential resistance to e-money. We focus on 200 poor remittance-receiver families in Central and Eastern Lombok Island in Indonesia. Following Ram and Sheth (1989) we will measure resistance to e-money innovation along five axes: usage, value, risks, tradition, and image barriers. It is not clear whether slow e-money adoption is due to concern over system configuration security; basic fees; aging related to risk and image barriers; perceptions that relate to the input information mechanism; the battery life of a mobile phone; a fear that the list of PIN codes could be lost and end up in the wrong hands; or the usefulness of new technology in general. Could the the important factor be further information that e-money help meet the needs of private banking, increasing convenience and cost effectiveness? Could it be merchant reluctance to use e-money? Could local cooperatives be e-money provider partners, due to the high use of cash-base transactions among Indonesians? Could the use of e-money help out-migrant workers transfer remittances efficiently? A descriptive and factor analysis will be used to summarize information from the survey and in-depth interviews.