Ayatulloh Michael Musyaffi, Sri Mulyani, Ida Suraida, Citra Sukmadilaga
E-Banking technology has developed very rapidly, along with the growth of digital banking. E-banking has led to changes in business models, especially about the ease and benefits for users. However, it turns out, and users are still dealing with security issues and functions of e-banking so that user dissatisfaction arises. Therefore, this study aims to analyze the factors that make users receive e-banking, especially in aspects of Perceived Usefulness, Technology Readiness, and Self-efficacy by using the integration of Technology Acceptance Model (TAM) 3 and technology Readiness (TR). This research was gathered through an online questioner to all e-banking clients with 565 respondents. After that, data were analyzed using Structural Equation Model (SEM) - Lisrel using Lisrel 8.8 software. The results of this research indicate that technology readiness and self-efficacy influence Perceived usefulness, and technology readiness and Perceived Usefulness have a positive influence on behavioral intention. In contrast, Self-Efficacy does not have an impact on Behavioral Intention. This research's findings also prove that the level of acceptance of user technology using the integration of TAM 3 models with Readiness Technologists has a strong attachment. However, the self-efficacy variable has an insignificant impact.