{"references": ["Akhlaq, A., & Ahmed, E. (2013). The effect of motivation on trust in the acceptance of internet banking in a low income country. International Journal of Bank Marketing, 31(2), 115\u2013125. https://doi.org/10.1108/02652321311298690", "Bagozzi, R. P., Davis, F. D. D., & Warshaw, P. R. (1992). Development and Test of a Theory of Technological Learning and Usage. Human Relations, 45(7), 659\u2013686. https://doi.org/10.1177/001872679204500702", "Bagozzi, R. P., & Kimmel, S. K. (1995). A comparison of leading theories for the prediction of goal\u2010directed behaviours. British Journal of Social Psychology, 34(4), 437\u2013461. https://doi.org/10.1111/j.2044- 8309.1995.tb01076.x", "Bagozzi, R. P., & Warshaw, P. R. (1990). Trying to Consume. Journal of Consumer Research, 17(2), 127. https://doi.org/10.1086/20854", "Bearden, W. O., Hardesty, D. M., & Rose, R. L. (2001). Consumer self-confidence: Refinements in conceptualization and measurement. Journal of Consumer Research, 28(1), 121\u2013134. https://doi.org/10.1086/32195", "Bell, G. D. (2016). Self-Confidence and in. 4(1), 46\u201352", "Chaouali, W., Souiden, N., & Ladhari, R. (2017). Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism. Journal of Retailing and Consumer Services, 35, 57\u201367. https://doi.org/10.1016/j.jretconser.2016.11.009", "Chemingui, H., & Lallouna, H. Ben. (2013). Resistance, motivations, trust and intention to use mobile financial services. International Journal of Bank Marketing, 31(7), 574\u2013592. https://doi.org/10.1108/IJBM-12-2012-0124"]}

This study discusses someone's intention to adopt new technology in developing countries, specifically mobile banking, based on general self-confidence and theory of trying as indicators. A person's self-confidence influences a person's courage to try mobile banking. There are three possibilities in the theory of trying which allow someone to generate an act towards the adoption of mobile banking and an intention to adopt it, to wit trying then succeeding, trying then learning and trying then failing. This study used primary data collected from 141 respondents who are banking customers. The research sample was taken using the convenience sampling method and processed using SEM-PLS 4.0. The methods used are the outer model test and the inner model test. The results of this study indicate that a person's intention to adopt mobile banking is influenced by their attitudes towards the adoption of mobile banking itself. Attitudes towards mobile banking adoption are also influenced by two possible theories of trying, i.e. trying then succeeding, and trying then learning, and are influenced by general self-confidence, while the possibility of a theory of trying then failing does not affect people’s attitudes and intentions towards mobile banking adoption.