The research aims to analyze whether knowledge (both procedural and conceptual), avoidance motivation, and self-efficacy affect avoidance behavior of students to avoid phishing when using BCA m-banking. Quantitative methods are used for data collecting, while Smart-PLS is used for statistical analysis. The sample consisted of 100 respondents using a purposive sampling technique, with the category of active students who live in Jakarta and its vicinities. Based on the results of statistical calculations in the Smart-PLS application, it was concluded that the Procedural Knowledge and Conceptual Knowledge variables had a significant impact on self-efficacy (an awareness or self-confidence to form a habit of avoiding phishing). Self-efficacy had a significant and positive impact on avoidance motivation, and avoidance motivation has a positive impact on shaping student behavior in avoiding phishing or avoidance behavior. Therefore, students must have the intention or confidence to learn phishing procedures and concepts to avoid phishing attacks. Recommendations for m-banking providers and policy makers are also offered.