Why does e-Learning service for individuals remain in the early development stage? To find the answers of this question, we adopted usefulness and intention to continued use as dependent variables based on technology acceptance model and inferred convenience, cost-effectiveness, social presence, interactivity, concentration, and procrastination as independent variables based on literature review and interview with e-Learning users. Convenience and cost-effectiveness of e-Learning tend to enhance usefulness and/or intention to continued use, while lack of social presence, interactivity, and concentration of e-Learning and academic procrastination tend to hinder usefulness and/or intention to continued use. To prove this research model, we used a data set collected from the survey. The respondents of survey were the undergraduate students who used voluntarily e-Learning. Data analysis was conducted using 275 respondents by partial least square. The analysis result of causal relation indicated that convenience and cost-effectiveness influenced both usefulness and intention to continued use, and that cost-effectiveness and concentration influenced only intention to continued use. But, interactivity and procrastination did not influence usefulness and intention to continued use.