ABSTRACT : Mobile banking has become a strategic pillar of digital transformation in Indonesia, yet retaining customers after their initial adoption remains a persistent managerial concern. This study examines the determinants of continued intention to use (CIU) mobile banking by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) with perceived cyber risk and fintech innovation, and by testing age and bank-provided mobile banking literacy as moderators. Primary data were gathered from 400 active users of the four largest Indonesian banks, namely BRI, BCA, Mandiri, and BNI, through an online survey. The data were analysed with partial least squares structural equation modelling (PLS-SEM) in SmartPLS 3.0, using a two-stage moderation procedure and 5,000 bootstrap subsamples. The measurement model satisfied the thresholds for convergent validity, discriminant validity, and reliability. The structural model explained 73.0 per cent of the variance in CIU. Facilitating conditions was the strongest predictor, followed by effort expectancy, fintech innovation, social influence, and performance expectancy. Perceived cyber risk exerted only a weak and positive effect on CIU. Age significantly moderated the effects of performance expectancy, social influence, and facilitating conditions, while bank-provided literacy marginally buffered the cyber-risk effect. The results suggest that infrastructure reliability and perceived innovation, rather than risk perception, sustain use among experienced customers, and that these drivers operate differently across age groups. The study contributes a context-sensitive extension of UTAUT and offers practical guidance for banks that aim to retain digital customers in an emerging economy

KEYWORDS– Continued Intention to Use; Mobile Banking; UTAUT; Perceived Cyber Risk; Fintech Innovation