Purpose: Present study was designed to examine the casual relationships among service quality, self-efficacy perceived usefulness, user satisfaction and Continuous Usage in new technolohy-based banking system. Also, we intended to testifiy the moderating effects of user experience period in causal model. We applied path analusis model in order to test the hypotheses and research model. Methods: Survey tool, that is questionnaire has obtained valodoty through lierature survey, exploratory survry and pretest and sample 279 was selected. For statistical treatment of pretest and main analysis method. Results: Result of this study shows as follows. All factors have an effect on user satisfaction and Continuous Usage, and we found that user experience period played moderating effect in causal relationship. Therefore, new technolohy-based banking system is found that the determinants of continuous usage intention is different according to the user experience period. Conclusion: Present study shows that self-efficacy in via of user experoence period, there is a need to empha-size that the main consideration factor new technology-baesd baking system. However, Present study has some limitations to additionally research in the future.