“…Behavior Intention (BI) has a positive significant effect on customer's adaptive behavior (AB) towards technological change in e-banking services. Serveral strudies agreed with this finding (Alalwan et al, 2017;Albashrawi et al, 2019;Baptista & Oliveira, 2015;Chua et al, 2016;Yogesh Dwivedi et al, 2017;Giri et al, 2019;Gupta & Arora, 2019;Im et al, 2011;Karjaluoto et al, 2019;Patil et al, 2020;Sharma et al, 2020;Venkatesh et al, 2003), while there were no findings have found negates the significance of this relationship. Thus, it can be noted that if the customer has an internal psychological tendency to adapt to the technological change in electronic banking services, this will lead to a specific action or behavior to use e-banking in the future.…”