pengaruh perceived ease of use dan perceived usefullness terhadap kepercayaan…

Is motivated by the declining realization of BNI credit card ownership despite the bank’s efforts in digitalization. At the same time, the increasing popularity of financial alternatives such as e-wallets and Buy Now Pay Later (BNPL) services has shifted consumer preferences away from traditional credit cards. Therefore, the study focuses on psychological and behavioral factors namely Perceiv…