JOPANDA H, Fauzi A. 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. manaj [Internet]. 2023 Aug. 22 [cited 2026 Apr. 18];8(1). Available from: https://www.ojs.jekobis.org/index.php/manajemen/article/view/261