The emergence of a policy from the Association of State-Owned Banks to charge a fee for checking balances and cash withdrawals at ATM Link per 1 June 2021 will switch their customer transaction method. The reason for this policy was to encourage the National Non-Cash Movement. This study empirically proves the possibility of switching transactions to the internet or mobile banking or using the Bank's ATM where the customer is registered. In proving the existence of such a transfer, the Push-Pull Mooring framework will be used in this study. In this study, two hundred fifty respondents included those in 5 cities in DKI, and specifically for customers who do not have internet or mobile banking. The sample selection is made using the purposive sampling method. The analysis technique of this study uses the SEM method. The study shows that the, Push effect, Pull effect, and Mooring effect, didn't impact the shift from ATM Link to mobile or web-banking.  Second, the evaluation results using the high order approach type I can explain the effect of the high component model on switching intention. In like manner, the High Component Model is more suitable for evaluating things evacuating while using a PPM structure.