<![CDATA[This study aims to determine the factors influencing the use of digital banks in Indonesia. The research is developed from the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2). This study employs a quantitative approach where data is obtained through a Google Form questionnaire. The research uses a sample of 179 digital bank users spread across Indonesia. The analysis used in this study is PLS-SEM. The results show that performance expectancy has a positive and significant impact on the behavioral intention, effort expectancy has a positive and significant impact on use, social media has a positive and significant impact on behavioral intention and use. trust have a positive and significant impact on behavioral intention and use, and the behavioral intention has a positive and significant impact on use. However, performance expectancy negatively impacts use,and effort expectancy negatively impacts behavioral intention]]>
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