The Effect of Risk Perception and Benefit Perception on Interest in Using the Allo Bank Application at Transmart Mataram with Trust as an Intervening Variable

Abstract

This study aims to see the influence of risk perception and benefit perception on the use of interest mediated by trust variables - sampling with purposive sampling technique with 100 respondents who are Allo Bank users at Transmart Mataram. The research questionnaire was distributed to all respondents, and then the collected data was analysed using the PLS-SEM technique. The results showed that risk perception did not affect the interest in using Allo Bank at Transmart Mataram. Furthermore, perception of benefits and trust positively and significantly affect interest in using Allo Bank. At the same time, risk perception is found to have a negative and significant effect on trust, and perception of benefits has a positive and significant effect on confidence. Furthermore, although trust cannot mediate the impact of risk perception on interest in using, trust can judge the effect of perception of benefits on using Allo Bank in Transmart Mataram. The results of this research can be helpful in digital banks in further development and innovation to increase public interest in digital banking.