JOPANDA, H., and A. Fauzi. “THE EFFECT OF TRUST, PERCEPTION OF CONVENIENCE, AND PERCEPTION OF RISK ON INTEREST IN USING M-BANKING IN CUSTOMERS OF BANK BTN KC BINTARO JAYA”. 2023. Jurnal Manajemen, vol. 8, no. 1, Feb. 2024, doi:10.54964/manajemen.v8i1.261.