Digital Bank User Acceptance Analysis Using The Extended Technology Acceptance Model

The Covid-19 pandemic requires banks to provide electronic payments, carry out digital transformation and open up opportunities for financial technology-based companies. Digital in banking reliable integration security between systems. Otherwise, it can become a gap cyber attacks. Cyber includes Confidentiality, Integrity, Availability, Non-repudiation, Authentication. Jenius is the first bank Indonesia that makes easy customers complete transactions manage finances digitally without going bank. This was once victim of attack attacked with material losses around 50 billion non-material form decreased credibility. Bank also has problems often occur, such as failing identify customers, differences facts on proof transfer, frequent force close applications, etc. study aims determine effect behavioral intention other factors influence choice this using modified Technology Acceptance Model (TAM) model. variables used are Authentication, Perceived Security, usefulness (PU), Trust, Ease Use (PEoU), Behavioral Intentions. research uses quantitative methodology by distributing questionnaires 200 sample customers. measurement results show more than half accepted. four rejected Non-repudiation perceived (PEoU) variable trust variable. Future add several external review variables.