SMS banking is one of the e-banking services implemented by banks in enhancing competitive advantage in order to harmonize services that are better tailored to the needs of customers in line with developments in information technology and lifestyles to attract and increase the number of customers. One of the banks that provide sms banking services to customers in enhancing the competitive advantage of organizations and businesses on the road is Bank XYZ. The SMS Banking service provided by Bank XYZ is an Electronic Banking service that enables customers to obtain banking information and conduct banking transactions via Cellular Phones (sending the sms banking format or dial ussd number) and is available in the form of a mobile application in which utilizes the sms, ussd and package channels data for conducting transactions. At present the users of Bank XYZ e-banking services continue to grow, including Internet banking users with a total of 358,814 users per February 2019 with transactions in 2019 totaling 7 million transactions. while for users of SMS banking services, there are 732,771 per February 2019 with 900 thousand transactions. Furthermore, based on the difference in total transactions it is felt necessary to evaluate the use of the SMS banking application. The method used in this research is to conduct a literature study that is the author collects data on several models that can be used to determine acceptance of a technology or application and comparison of theories and models of technology acceptance, the appropriate model is the UTAUT model to find out the factors that influence the use and technology acceptance. Data collection methods in this study used a questionnaire. The results of this study found that the factors that have a direct and significant influence on usage behavior are Facilitating Conditions and Behavioral Conditions. While the factors that directly and significantly affect behavioral intentions are Effort Expectancy.
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