<![CDATA[Mobile banking is one of the digital financial services that plays an important role in promoting financial inclusion by providing fast and flexible transaction facilities. However, in practice, it still faces several challenges, such as system disruptions, security risks, and low levels of financial understanding among users. This condition is noteworthy because the millennial generation continues to use mobile banking despite these constraints. This study aims to analyze the factors influencing mobile banking adoption among the millennial generation by integrating the technology acceptance model and financial literacy as a conceptual foundation. This research employs a quantitative causal approach, with data collected through structured questionnaires distributed to 100 millennial respondents. The data were analyzed using Structural Equation Modeling with the Partial Least Squares method. The results show that most variables, namely performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and financial literacy, do not have a significant effect on mobile banking adoption. In contrast, habit has a significant influence. These findings indicate that mobile banking usage among millennials has become habitual or automatic behavior, meaning that rational and motivational factors are no longer the primary considerations in usage decisions.]]>
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