This study integrates the technology acceptance model and the trust model by reconstructing trust antecedents through cybersecurity control elements, forming an extended trust perception framework. It aims to identify critical factors influencing Malaysian millennials' intention to adopt internet banking and offer practical implications for banking policymakers and marketers. A quantitative survey of 166 millennials aged 18-42 was conducted, and the data were analysed using confirmatory factor analysis and structural equation modelling. Findings indicate that perceived authentication and non-repudiation significantly enhance users' confidence in continued usage. Perceived usefulness and ease of use positively influence user attitudes, while attitude and trust are key determinants of usage intention. Distinct from prior studies, this research embeds cybersecurity control features into the trust model to capture the perceptions of a hypercognitive generation that seamlessly navigates both virtual and physical environments. The study contributes to a nuanced understanding of generational effects on digital banking behaviour and trust formation in technology-driven financial contexts.