The purpose of this article is to analyze the make-or-break factors in adopting Online Banking in Colombia, derived from the research “ Setting up and implementation of the educational technology application CSF foreign exchange trading Forex Brokers ” put forward by SENA Finance Services Training Centre, which provided the necessary inputs for the writing of this article. To reach the purpose thereof, we used DANE - 2015 Survey on Quality of Life, with 99.814 valid remarks, on which descriptive statistics and a probabilistic model were carried out, LOGIT model Type. The outcome shows that: (i) there are marked regional differences in the adoption of Online Banking, (ii) users who use Internet frequently, heads of households, people between 34-45 years old, men, people with high incomes and people with university studies, have a positive probability in the use of Online Banking; while unmarried subjects have a negative probability when adopting Online Banking in Colombia.