<![CDATA[The low level of e-banking adoption amid rapid digital development indicates issues in the adoption of technology-based financial services. Although Financial Technology and E-Service Quality have been shown to influence user behavior, the role of Digital Self-Efficacy as a moderating variable remains inconsistent in the literature. This study aims to examine the direct effects of financial technology and e-service quality on e-banking usage, as well as to test the moderating role of digital self-efficacy. The study employs a quantitative approach using primary data from 409 banking customers in South Sumatra selected via random sampling and analyzed using SEM-PLS. The results indicate that Financial Technology, E-Service Quality, and Digital Self-Efficacy have a positive and significant influence on e-banking usage, with E-Service Quality being the most dominant factor. However, Digital Self-Efficacy was not found to moderate this relationship. This study contributes to clarifying the role of digital self-efficacy as a direct variable and underscores the importance of digital service quality in enhancing e-banking adoption in developing countries.]]>
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