The implementation of the banking sector is expected to increase the adoption of e-banking as digitalization of banking activities from the perspective of users, namely customers and employees at Bank BNI 46 so as to increase the productivity of bank performance as meeting customer needs, work quality, and service quality. This study was conducted with the aim of knowing the factors that influence the adoption of e-banking as an intervening variable between integrated information systems, technological innovation, ease of use, and attitudes towards bank performance in terms of the perspective of e-banking application users.The unit of analysis of this research is the banking industry. The banking company used as the object of research is Bank BNI 46 Parepare Branch. The method of data collection was carried out by survey or self-management as the primary data collection method by giving questionnaires to respondents using the purposive sampling technique. The questionnaires distributed were 220 samples to e-banking users, namely employees and permanent customers of Bank BNI 46 Parepare Branch who actively use e-banking system applications (ATM, Mobile Banking, SMS Banking, and Internet Banking). The population of 152 samples consisted of customers and bank employees through the google form media which was a bit difficult to reach due to the covid-19 pandemic. Data were analyzed using SEM from the PLS 3.0 platform. The results of the study with a significance of 5% showed a significant effect that integrated information systems, ease of use, and attitudes towards e-banking adoption. While the technological innovation variable has no significant effect on the adoption of e-banking. The adoption of the e-banking system as an intervening variable has a positive and significant effect on banking performance. This research is supported by the theory (TOE) Technology, Organization, Environment and (TAM) Theory Technology Acceptance Model which theoretically can provide evidence on the factors that influence the adoption of e-banking from the perspective of users in terms of technology, organization, and environment.

Keywords : Integrated information systems; technological innovation; perceived ease of use; attitudes; e-banking adoption.