• Paul Samuelson Effendy
• Dr. Amelia, S.E., RFP-I, M.M
• Dr. Ronald, S.T., M.M

The development of the use of mobile banking in Indonesia continues to increase every year. This also has an impact where competition in mobile banking in Indonesia is becoming increasingly stringent every year. With this increasing competition, companies engaged in the banking industry, especially those managing mobile banking applications, must maintain and maintain usage behavior for both new customers and old customers. This research is causal research using quantitative methods and processed with the help of statistical program, namely SPSS version 22.0. Data collection was carried out by distributing questionnaires to 200 respondents with pre-determined characteristics of the respondents. In this study there are 13 hypotheses including nine hypotheses accepted and four hypotheses rejected.

Perceived Awareness, Availability of Resource, Mobile Computing Self-Efficacy, Perceived Image, Perceived Ability to Use, Perceived Information Quality, Perceived Functional Benefit, Multilingual Option, Perceived Trust, Perceived Security, Perceived Uncertainty, Mobile Banking Adoption, Customer Loyalty, BCA Mobile Application.

"Analysis of Variables That Affect Mobile Banking Adoption and Customer Loyalty on Users of BCA Mobile Application in Manado", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 1, page no.e407-e412, January-2023, Available :http://www.jetir.org/papers/JETIR2301459.pdf

"Analysis of Variables That Affect Mobile Banking Adoption and Customer Loyalty on Users of BCA Mobile Application in Manado", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 1, page no. ppe407-e412, January-2023, Available at : http://www.jetir.org/papers/JETIR2301459.pdf