Banking is slowly shifting conventional
banking services to digital application services. This
change is inevitable in today's era. This study aims to
determine the effect (Perceived self-efficacy), complexity,
perceived trust, compatibility and perceived ease-of-use
on perceived benefit of using. e-banking services at PT.
BNI. To achieve this goal, questionnaires were used with
data analysis techniques using SEM PLS analysis. The
results of the study found that the perceived efficacy had
an impact in increasing the perceived ease-of-use of using
BNI e-banking services. Complexity has a negative effect
on later perceptions of using e-banking services. The
effect of perceived trust has an impact in increasing the
perception of benefits in the use of BNI e-banking
services. The effect of perceived compatibility has an
impact on the perceived benefits of using BNI e-banking
services. The effect of perceived ease-of-use has an
impact on perceived benefits of using BNI e-banking
services
Keywords : Self-Efficacy, Complexity, Perceived Trust, Compatibility And Perceived Ease-Of-Use.