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]. 2024 Feb. 2 [cited 2026 Jun. 6];8(1). Available from: https://mail.jekobis.org/ojs/index.php/manajemen/article/view/261