<![CDATA[The increasing adoption of mobile banking has led students to use the BRImo application for various financial transactions. However, frequent application usage does not necessarily reflect optimal user satisfaction. This situation indicates a potential gap between the intensity of application use and users’ perceived satisfaction, which requires further investigation. Accordingly, this study aims to evaluate student satisfaction with the BRImo application using the Task Technology Fit (TTF) model, consisting of task characteristics, technology characteristics, task technology fit, utilization, and user satisfaction. A quantitative survey approach was employed involving 381 students from the Faculty of Teacher Training and Education, Mulawarman University, who actively use BRImo. The collected data were analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM) through SmartPLS. The findings demonstrate that task characteristics significantly and positively influence task technology fit (β = 0.482; t = 11.893; p = 0.000), while technology characteristics also have a significant positive effect on task technology fit (β = 0.427; t = 10.291; p = 0.000). Task technology fit significantly affects utilization (β = 0.502; t = 11.628; p = 0.000), which subsequently has a significant positive effect on user satisfaction (β = 0.439; t = 9.648; p = 0.000). The R² values indicate that the model explains 50.6% of task technology fit, 48.4% of utilization, and 56.1% of user satisfaction. The mean satisfaction score of 3.95 indicates that students are generally satisfied. These results emphasize the importance of improving application features and system reliability to sustain and enhance user satisfaction.]]>
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