This study examines the factors that drive the adoption of mobile banking in Indonesia, using the case study of PT Bank XYZ's application. The theoretical framework used includes the Technology Acceptance Model (TAM) to measure user acceptance, the Information Systems Success Model (ISSM) to assess system quality, and Nielsen's Usability Framework to evaluate the aspects of user experience and convenience. Additional variables such as trust, perceived security, and promotion are also integrated. Data was collected from 410 active users in DKI Jakarta and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) against 18 proposed hypotheses. The results show that usability is influenced by learnability and memorability, while service quality has a direct impact on perceived usefulness. Information and system quality are proven to be significant through the full mediation of perceived ease of use. Similarly, intention to use is influenced by usability and ease of use only through the mediation of usefulness. In addition, promotion and perceived usefulness are proven to strengthen the intention to use the application, which ultimately encourages the actual use of mobile banking
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