At a time when the banking sector is increasingly playing a significant role in Indonesia's economic development, the banking industry plays an important role as a financial intermediary that links various economic development activities, particularly those involving money (Permono & Darmawan, 2021). With the current economic expansion, everyone should be able to plan ahead for their financial demands in order to be able to meet them in the long run and live fulfilling lives. Making investments for the future is a different approach to educating a generation that will be financially stable (Amsi, 2020). This study makes reference to studies (Laksana et al., 2015) on how perceptions of utility, usability, risk, and suitability affect interest in using mobile banking. Laksana Astuti and Dewantara's (2015) research on perceived utility, perceived ease of use, and perceived risk of appropriateness had four variables that were replicated by researchers. The difference is in the object of previous research conducted on mobile banking, while in this study it was carried out on investment decisions. The method used in this study is a quantitative method, the subject of this research is banking customers in Bandar Lampung, and the data source used is primary data that obtained from respondents' answers or research responses from a statement. in this case the study includes up to 190 banking customers in Bandar Lampung. H1 or the first hypothesis is rejected, H2 or the second hypothesis is rejected, H3 or the third hypothesis is accepted, H4 or the fourth hypothesis is accepted. Investment decisions in banking in Bandar Lampung are not influenced by perceptions of usefulness, user convenience, or risk, but are positively and significantly impacted by perceptions of suitability and usefulness.