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The following is an explanation of the results of the indirect effect shown in Table 6, namely: According to Juliandi (2018), the indirect effect analysis can be used to test the hypothesis of the indirect effect of the affected variable (exogenous) to the affected variable (endogenous) mediated/between by the intervening variable. The research hypothesis can be declared accepted if the indirect effect shows the T- Statistics > T-Table (1.984) and P-Value < 0.05.

Table 6 The following is an explanation of the results of the indirect effect shown in Table 6, namely: According to Juliandi (2018), the indirect effect analysis can be used to test the hypothesis of the indirect effect of the affected variable (exogenous) to the affected variable (endogenous) mediated/between by the intervening variable. The research hypothesis can be declared accepted if the indirect effect shows the T- Statistics > T-Table (1.984) and P-Value < 0.05.

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Figure 1 Best Mobile Banking Performance In 2021 PT Bank Negara Indonesia has a BNI Mobile Banking service called mobile banking which occupies the first position for the mobile banking performance in the Bank Service Excellence Monitor (BSEM) survey in 2021. BNI Mobile Banking provides a variety of superior digital service features so that it can surpass mobile banking otherowned by national banks that provide similar services. This shows that the innovation of banking services offered by Bank Negara Indonesia has good performance in the eyes of the public.
Figure 1 Best Mobile Banking Performance In 2021 PT Bank Negara Indonesia has a BNI Mobile Banking service called mobile banking which occupies the first position for the mobile banking performance in the Bank Service Excellence Monitor (BSEM) survey in 2021. BNI Mobile Banking provides a variety of superior digital service features so that it can surpass mobile banking otherowned by national banks that provide similar services. This shows that the innovation of banking services offered by Bank Negara Indonesia has good performance in the eyes of the public.
This research model explains the relationship between perceived benefits, perceived ease of use and interest in using it through customer trust.
This research model explains the relationship between perceived benefits, perceived ease of use and interest in using it through customer trust.
The convergent validity test has a relationship with various measures of a construct that has a large correlation (Sudiantini, 2020).
The convergent validity test has a relationship with various measures of a construct that has a large correlation (Sudiantini, 2020).
WME JOURNAL Vol 1 No. 3 September 2022 — pISSN: 2829-0399, elSSN: 2829-0526, Page 45-55
WME JOURNAL Vol 1 No. 3 September 2022 — pISSN: 2829-0399, elSSN: 2829-0526, Page 45-55
The reliability test is used to measure the consistency of measuring instruments in measuring a concept or to measure the consistency of respondents in answering questions (Sudiantini, 2020). Based on the results of the Table 3, the Composite Reliability on all variables has a value of 0.70 and Cronbach's Alpha > 0.60. So it can be concluded that all variables have a high level of reliability and have been tested for reliability.
The reliability test is used to measure the consistency of measuring instruments in measuring a concept or to measure the consistency of respondents in answering questions (Sudiantini, 2020). Based on the results of the Table 3, the Composite Reliability on all variables has a value of 0.70 and Cronbach's Alpha > 0.60. So it can be concluded that all variables have a high level of reliability and have been tested for reliability.
Table 4 R-Square Test Results Based on the Table 4, the results obtained:
Table 4 R-Square Test Results Based on the Table 4, the results obtained:
IME JOURNAL Vol 1 No. 3 September 2022 — pISSN: 2829-0399, elSSN: 2829-0526, Page 45-55
IME JOURNAL Vol 1 No. 3 September 2022 — pISSN: 2829-0399, elSSN: 2829-0526, Page 45-55
Model Testing the Goodness of Fit is one of the tests to test the research hypothesis. Based on table 7, the results of the goodness of fit test have an SRMR value of 0.067 < 0.08 and an NFI value of 0.745. It can be found that the model in this study is suitable or good for use. So, it can be concluded that the overall model in this study is an acceptable model.
Model Testing the Goodness of Fit is one of the tests to test the research hypothesis. Based on table 7, the results of the goodness of fit test have an SRMR value of 0.067 < 0.08 and an NFI value of 0.745. It can be found that the model in this study is suitable or good for use. So, it can be concluded that the overall model in this study is an acceptable model.
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