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In an effort to maintain competitiveness and sustainability, organizations must pay attention to the needs of their members. The use of online applications amidst conditions that limit human mobility is urgently needed. This study aims to analyze the technology adoption of Saving and Loans Cooperatives (KSP) mobile banking based on the Technology Acceptance Model (TAM). This research uses a descriptive approach, conducted by survey method through the use of a questionnaire. The control variables in this study were gender, age, education, profession and understanding of technology. The result of this research is a mobile banking technology adoption model that can be implemented in analyzing technology acceptance. The model describes 2 main factors that influence members' decisions in using technology, namely user trust factors and user attitude factors. User attitude factors consist of usability, ease of use and consumer awareness. User trust factors consist of risk awareness and social influence. Keywords—mobile banking, technology adoption, TAM

Conceptual Model for Adoption of Mobile Banking Technology in Savings and Loans Cooperatives