HIGHLIGHTS
- What: This study analyses the influence of perceived ease of use perceived risk and trust on the intention to use online loan applications among residents of Bangli a rural regency in Bali who have not yet adopted such applications. The aims of this research are twofold. Building on the research objectives, theoretical framework, and prior studies, the following conceptual model for this research has been developed to explore the behavioral factors influencing the adoption of online loan applications in rural Bali, as illustrated in Figure 2. By systematically examining these factors, the model seeks to illuminate the . . .
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