<![CDATA[Abstrak Saat ini teknologi adalah metode yang telah tumbuh dengan sangat pesat serta mutakhir. Digital banking yang dikembangkan secara terus menerus demi pelaksanaan akses bertransaksi semakin terdepan dengan memakai media aplikasi yaitu Mobile Banking sehingga implementasi terhadap broadband dan infrastruktur pada penggunaan transaksi perbankan jauh lebih unggul daripada internet banking. Sampel penelitian ini sebanyak 257 responden yang merupakan konsumen pengguna internet banking dan mobile banking pada 10 bank performa mobile banking terbaik di Indonesia. Data diolah menggunakan aplikasi SPSS versi 26 untuk mendapatkan hasil yang signifikan dengan metode analisis uji regresi linier berganda yang menunjukan bahwa variabel independen mempengaruhi variabel dependen dengan berdasarkan hasil dari persamaan regresi dan nilai adjusted R square. Setelah uji data bahwa pengaruh positif secara signifikan antara perceived ease of use, perceived usefulness, attitude dan service quality terhadap actual behavior of using mobile banking. Kata Kunci: perceived ease of use, perceived usefulness, attitude, service quality, actual behavior of using mobile banking Abstract Currently technology is a method that has grown very rapidly and is up to date. Digital banking which is developed continuously for the sake of implementing access to transactions is getting more advanced by using the application media, namely Mobile Banking so that the implementation of broadband and infrastructure in the use of banking transactions is far superior to internet banking. The sample of this research is 257 respondents who are consumers of internet banking and mobile banking users at the 10 best mobile banking performance banks in Indonesia. The data was processed using the SPSS version 26 application to get significant results with the multiple linear regression analysis method which shows that the independent variabel affects the dependent variabel based on the results of the regression equation and the adjusted R square value. After testing the data, there is a significant positive effect between perceived ease of use, perceived usefulness, attitude and service quality on the actual behavior of using mobile banking. Keywords: perceived ease of use, perceived usefulness, attitude, service quality, actual behavior of using mobile banking]]>
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