<![CDATA[This study aims to analyze the usage behavior of the Unified Theory of Acceptance and Use of Technology (UTAUT) based on the BYOND application by BSI. The research problem identifies the factors that play a role in the usage behavior of the BYOND application by BSI through the application of UTAUT, thereby facilitating customers' understanding of using the BYOND application by BSI. The objective of this study is to identify the factors of the Unified Theory of Acceptance and Use of Technology (UTAUT), such as performance expectancy, effort expectancy, social influence, facilitating conditions, and usage interest, in relation to the usage behavior of the BYOND application by BSI in Sukoharjo. The analysis method uses a quantitative approach, and in this study, the required analyses include measurement model evaluation (Outer Model), structural model evaluation (Inner Model), and hypothesis testing, with data processing performed using Smart PLS 3.2. The number of samples required in the study was 96 respondents. The analysis results showed that only social influence, facilitating conditions, and usage interest had a positive effect on usage behavior. Conversely, performance expectancy and effort expectancy have no influence on usage behavior. Kata Kunci : UTAUT, Mobile Banking Application, BYOND by BSI, Behavioral Intention]]>
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