This study aims to investigate the factors affecting on e-saving adoption via “Lucky money”, a function of MoMo e-wallet, among people living in municipalities of Vietnam. Building upon the The Unlfied Theory of Acceptance and Use of Technology (UTAUT), the author develops a set of hypotheses which are empirically tested using data obtained from survey of 1303 people living in municipalities, from  August to December 2022. The Cronbach's Alpha Reliability Test, Exploratory Factor Analysis, Regression Analysis applied to analyze data reveals that there are four independent variables, including Rewards, Effort Expectancy, Perceived Security and Social Influence. Overall, all four factors positively affect the e-saving adoption. Out of 4 factors, Rewards has the strongest impact on work performance with Beta coefficient of 0.387. From the results, managerial implications are provided based on these findings.