This study aims to analyze the influence of financial literacy, digital literacy, and ease of use on the use of BNI mobile banking among accounting students from the Class of 2022 at Muhammadiyah University of Ponorogo. The background of this study is based on the increasing use of BNI mobile banking services among students, which is influenced by financial literacy, digital skills, and perceptions of ease of use of the technology. The research method used was a quantitative approach using a survey technique through the distribution of questionnaires to 72 respondents. Data analysis was performed using multiple linear regression with the assistance of SPSS version 30. The results showed that ease of use had a positive effect, while financial literacy and digital literacy had no effect. This may occur because although students have a high level of knowledge about finance and digital technology, this does not automatically increase their tendency to use BNI mobile banking. These findings emphasize the importance of ease of use as a key factor in encouraging students to actively use BNI mobile banking services.

Keywords: Financial Literacy, Digital Literacy, Ease of Use, Mobile Banking.