This study aims to determine the factors that influence the interest and level of customer use using electronic banking services at Private Banks in Yogyakarta. The study was conducted with quantitative methods. Sampling is done by using an accidental sampling technique. Data is collected by a survey using a questionnaire. The study was conducted on 100 private bank customers in Yogyakarta who use electronic banking. Data were analyzed using SEM-PLS analysis. The results show that effort expectations, perceived service quality, and hedonic motivation have a significant and positive effect on behavioral intention to use e-banking. Behavioral intention to use e-banking has a significant and positive effect on the level of ebanking usage. Performance expectations and social influence have no significant effect on behavioral intention to use e-banking. Age does not moderate the relationship between performance expectations, effort expectations, social influence, perceived service quality, hedonic motivation and intention to use e-banking. Gender moderates the relationship between effort expectations, social influence and intention to use e-banking. The profession moderates the relationship between social influence and intention to use e-banking.