Arief, M.D. and Usman, O. 2025. Of ANALYSIS OF THE INFLUENCE OF STUDENT PREFERENCES IN JABODETABEK ON DECISIONS TO USE MOBILE BANKING PAYMENT SYSTEMS: Performance Expentancy, Effort Expentancy, Social Influence, Facilitating Conditions, Intention Use . International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM). 3, 1 (May 2025), 2073–2084. DOI:https://doi.org/10.21009/ISC-BEAM.013.154.