Abstract—M-banking is a service that allows bank customers to obtain data, communicate and carry out banking transactions through electronic media. Bank Mandiri is also one of the banks in Indonesia that practices the use of the mobile banking system in banking services by creating Livin’ By Mandiri. Mandiri m-banking have experienced a decline in percentage for 4 consecutive years according to Top Brand Awards and this condition makes researchers interested in studying the case of what causes the depreciation of Mandiri mobile banking, even in a covid pandemic, the digital transcation is important. The sampling technique used was non probability sampling by means of purposive sampling with 200 respondents, who haven’t use but knew about Livin’by Mandiri in Surabaya Indonesia. The data analysis technique used is PLS. The results of this study prove that effort expectancy and perceived self efficacy has a positive and significant effect on intention to use. Besides performance expectancy and social influence has no effect on intention to use. Effort expectancy has no significant effect on intention to use by mediated performance expectancy

Keywords— Intention to use, performance expectancy, effort expectancy, perceived self efficacy, social influence